BlastPoint's Banking Scorecard
Bank of O'Fallon
O'Fallon, IL
2 branches across IL
Bank of O'Fallon has 3 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 47.0% in tier
- + Efficiency Ratio 23.22% below tier average
- + Delinquency Rate 0.30% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 20.7% in tier
- - Credit Quality Pressure: Bottom 27.7% in tier
- - Credit Risk Growth: Bottom 29.9% in tier
- - Non-Interest Income / Assets 0.26% below tier average
- - Net Interest Margin 0.62% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$377.3M
+0.6% YoY
-0.3% QoQ
|
-$8.8M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
58% |
| Total Loans ? |
$280.4M
+8.1% YoY
+1.4% QoQ
|
+$24.7M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
64% |
| Total Deposits ? |
$325.1M
+0.2% YoY
-0.5% QoQ
|
-$2.9M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
59% |
| Return on Assets ? |
1.82%
+27.0% YoY
+44.7% QoQ
|
+0.55% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
82% |
| Net Interest Margin ? |
3.31%
+10.0% YoY
+3.6% QoQ
|
-0.62% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
22% |
| Efficiency Ratio ? |
42.06%
-6.4% YoY
-25.6% QoQ
|
-23.22% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
Top 5.7% in tier |
| Delinquency Rate ? |
0.58%
+9.8% YoY
+21.9% QoQ
|
-0.30% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
86.25%
+7.8% YoY
+1.8% QoQ
|
+9.61% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
19.32%
-0.1% YoY
-8.7% QoQ
|
-2.70% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.62%
+7.2% YoY
+15.7% QoQ
|
-0.01% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
32% |
| Tier 1 Capital Ratio ? |
21.81%
-4.5% YoY
-1.2% QoQ
|
+5.97% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Top 10.4% in tier |
| Non-Interest Income / Assets ? |
0.02%
+132.7% YoY
-65.9% QoQ
|
-0.26% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Bottom 5.3% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (3)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.