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Osb Community Bank

Ottawa, IL · Cert 27989 · Ottawa Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IL3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in IL (n=149 to 151). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

64

Q2 2024Q2 2026peer median (50)

Asset Quality

56

Q2 2024Q2 2026peer median (50)

Profitability

39

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

39

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Osb Community Bank

Ottawa, IL · Cert 27989 · Ottawa Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$355.6MAssets
$309.6MLoans
$293.5MDeposits
$40.7MEquity
Loan mix
90%RE $278.2M9%C&I $28.6M1%Consumer $1.6MQ2 2025Q2 2026
Deposit mix
91%Interest-bearing $266.0M9%Noninterest $27.4MQ2 2025Q2 2026

NIM

4.54%Q2 ’244.84%Q2 ’255.06%Q2 ’26+14%+9%

Non-interest income vs. expense

2.33%Q2 ’242.41%Q2 ’252.56%Q2 ’26+2%-7%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #127 of 147 inst. · $0.1B of $630.7B

5.7% La Salle
3.4% Grundy

Executive Summary

  • Earnings: ROA of 0.95%, up 32 bps year over year; NIM at 3.22%.
  • Asset quality: problem loans at 0.36% of loans (-92 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 11.64%, up 3 bps from a year ago.
  • Funding: loans stand at 105.50% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.95%+32 bps YoY

Net Interest Margin (YTD, annualized)

3.22%+27 bps YoY

Efficiency Ratio (YTD, annualized)

67.57%-748 bps YoY

Tier 1 Leverage Ratio

11.64%+3 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.64%0.63%0.60%0.73%0.95%+32 bps
Return on Equity5.59%5.53%5.30%6.59%8.50%+291 bps
Net Interest Margin2.95%2.95%2.91%3.15%3.22%+27 bps
Efficiency Ratio75.05%74.90%74.78%73.13%67.57%-748 bps
Non-Interest Burden2.15%2.14%2.11%2.21%1.99%-16 bps
Growth
Asset Growth (YoY)-1.81%-0.25%2.53%2.59%2.55%+436 bps
Loan Growth (YoY)-0.24%-1.95%1.21%4.31%1.08%+132 bps
Deposit Growth (YoY)0.48%5.75%5.43%3.63%4.55%+407 bps
Asset Quality
Nonperforming Loans / Loans1.28%1.19%0.56%0.34%0.36%-92 bps
Net Charge-Offs / Loans0.03%0.02%0.01%0.07%0.03%0 bps
Allowance / Loans1.34%1.34%1.35%1.30%1.31%-3 bps
Allowance Coverage of NPLs1.0x1.1x2.4x3.9x3.6x+2.6x
Capital
Tier 1 Leverage Ratio11.61%11.49%11.24%11.36%11.64%+3 bps
Total Risk-Based Capital17.09%16.78%16.78%16.48%17.04%-4 bps
Equity / Assets11.38%11.26%11.08%11.17%11.45%+7 bps
Liquidity & Funding
Loans / Deposits109.12%102.81%102.99%104.60%105.50%-362 bps
Liquid Assets / Assets2.00%3.21%5.09%3.77%2.99%+99 bps
CRE / Total Capitaln/a231%238%256%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Osb Community Bank

Ottawa, IL · Cert 27989 · Peer group: banks under $1B in assets in IL (n=149-151) · Ottawa Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$355.6MAssets
$309.6MLoans
$293.5MDeposits
$40.7MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 65% of banks under $1B in assets in IL (rank 53 of 151).
  • Widest gap: net interest margin trails 66% of banks under $1B in assets in IL (rank 100 of 151).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.97%

Rank 88 of 151

Net Interest Margin

3.22%

Rank 100 of 151

Efficiency Ratio

67.57%

Rank 93 of 151

Equity / Assets

11.45%

Rank 53 of 151

Non-interest income vs. expense

$2.0M$9.2MINCOMEEXPENSE
Unfavorable gap of $7.1M · efficiency ratio beats 39% of banks under $1B in assets in IL
Bank 67.57%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.97%0.70%1.03%1.34%Beats 42%88 / 151
Return on Equity8.43%6.74%9.34%12.94%Beats 41%89 / 151
Net Interest Margin3.22%3.02%3.43%3.83%Beats 34%100 / 151
Efficiency Ratio67.57%54.64%64.89%72.50%Beats 39%93 / 151
Asset Quality
Nonperforming Loans / Loans0.36%0.20%0.66%1.77%Beats 62%58 / 149
Net Charge-Offs / Loans0.02%0.00%0.02%0.07%Beats 50%76 / 149
Capital
Tier 1 Capital Ratio15.79%11.83%14.17%18.66%Beats 63%56 / 151
Total Risk-Based Capital Ratio17.04%12.22%14.54%19.92%Beats 65%53 / 151
Equity / Assets11.45%9.10%10.65%12.40%Beats 65%53 / 151
Liquidity & Funding
Loans / Deposits105.50%54.39%71.02%80.75%99th pctl2 / 149
Loans / Assets87.06%45.91%61.31%68.01%99th pctl1 / 151
Brokered Deposits / Depositsn/aNot reported for this institution