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
Unfavorable gap of $7.1M · efficiency ratio beats 39% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.97% | 0.70% | 1.03% | 1.34% | Beats 42% | 88 / 151 | |
| Return on Equity | 8.43% | 6.74% | 9.34% | 12.94% | Beats 41% | 89 / 151 | |
| Net Interest Margin | 3.22% | 3.02% | 3.43% | 3.83% | Beats 34% | 100 / 151 | |
| Efficiency Ratio | 67.57% | 54.64% | 64.89% | 72.50% | Beats 39% | 93 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.36% | 0.20% | 0.66% | 1.77% | Beats 62% | 58 / 149 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.02% | 0.07% | Beats 50% | 76 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 15.79% | 11.83% | 14.17% | 18.66% | Beats 63% | 56 / 151 | |
| Total Risk-Based Capital Ratio | 17.04% | 12.22% | 14.54% | 19.92% | Beats 65% | 53 / 151 | |
| Equity / Assets | 11.45% | 9.10% | 10.65% | 12.40% | Beats 65% | 53 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 105.50% | 54.39% | 71.02% | 80.75% | 99th pctl | 2 / 149 | |
| Loans / Assets | 87.06% | 45.91% | 61.31% | 68.01% | 99th pctl | 1 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |