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Bank of O'Fallon

$100M-$1B Specialty: Commercial IL FDIC cert 18171

O'Fallon, IL

2 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits +1.4% year over year ($324.1M on the books).
  • Delinquency rate 0.70%.
  • Return on assets 1.78%.
  • Efficiency ratio 44.11% vs a 64.48% peer average.
  • Loan-to-deposit ratio 86.08% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

Bank of O'Fallon has 3 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 20.37% below tier average
  • + ROA 0.46% above tier average
  • + Delinquency Rate 0.22% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 19.5% in tier
  • - Credit Risk Growth: Bottom 25.4% in tier
  • - Credit Quality Pressure: Bottom 38.8% in tier
  • - Non-Interest Income / Assets 0.51% below tier average
  • - Net Interest Margin 0.68% below tier average
Get updates when Bank of O'Fallon releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $377.5M
+1.7% YoY +0.1% QoQ
-$9.0M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
58%
Total Loans ? $279.0M
+5.8% YoY -0.5% QoQ
+$20.7M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
63%
Total Deposits ? $324.1M
+1.4% YoY -0.3% QoQ
-$2.6M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
59%
Return on Assets ? 1.78%
+12.6% YoY -2.2% QoQ
+0.46% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
79%
Net Interest Margin ? 3.30%
+7.3% YoY -0.2% QoQ
-0.68% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
20%
Efficiency Ratio ? 44.11%
-1.2% YoY +4.9% QoQ
-20.37% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
Top 7.8% in tier
Delinquency Rate ? 0.70%
+27.6% YoY +20.2% QoQ
-0.22% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
38%
Loan-to-Deposit Ratio ? 86.08%
+4.3% YoY -0.2% QoQ
+8.12% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
35%
Non-Interest-Bearing Deposit Share ? 18.39%
-6.7% YoY -4.8% QoQ
-3.64% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
38%
Nonperforming Asset Ratio ? 0.71%
+16.8% YoY +13.5% QoQ
+0.04% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
30%
Tier 1 Capital Ratio ? 23.12%
+1.4% YoY +6.0% QoQ
+7.21% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
Top 8.8% in tier
Non-Interest Income / Assets ? 0.06%
+37.3% YoY +157.1% QoQ
-0.51% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
Bottom 7.8% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 18.4%
-1.3pp YoY
-0.9pp QoQ
 -3.8pp 22.1% 20.1% 22.2% 38%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 6.5%
+0.1pp YoY
-0.1pp QoQ
 -5.1pp 11.6% 14.7% 12.5% 29%
CRE 29.5%
-1.4pp YoY
-0.6pp QoQ
 -10.0pp 39.5% 37.9% 41.4% 34%
1-4 Family 62.2%
+1.8pp YoY
+0.7pp QoQ
 +29.6pp 32.6% 28.3% 31.3% 91%
Consumer 3.2%
-0.6pp YoY
0.0pp QoQ
 -0.9pp 4.1% 5.4% 5.0% 62%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 23.1%
+0.3pp YoY
+1.3pp QoQ
 +4.3pp 18.8% 19.9% 19.7% 85%
Leverage Ratio 13.8%
+0.6pp YoY
+0.3pp QoQ
 +1.6pp 12.2% 12.2% 12.6% 81%
Total Capital Ratio 24.4%
+0.3pp YoY
+1.3pp QoQ
 +4.4pp 19.9% 20.9% 20.8% 86%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 34
+2 (+6.2%) YoY
+2 (+6.2%) QoQ
 -25 58 228 482 33%
Assets per Employee ($) $11.1M
-4.3% YoY
-5.8% QoQ
 +$3.6M $7.5M $8.3M $8.8M 90%
Branch Count 2
0 YoY
0 QoQ
 -3 4 10 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
-0.1pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 25%
Nonaccrual 0.7%
+0.2pp YoY
+0.2pp QoQ
 -0.3pp 0.9% 1.1% 1.0% 62%
Allowance Coverage 2.34x
-22.3% YoY
-16.6% QoQ
 -21.81x 24.15x 5.62x 20.23x 52%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 52%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 13.2%
+1.4pp YoY
-0.5pp QoQ
 +1.0pp 12.2% 10.5% 11.6% 57%
Cost of Funds (YTD) 2.0%
-0.3pp YoY
0.0pp QoQ
 +0.3pp 1.7% 1.6% 1.7% 69%
Net Income ($, YTD) $3.4M
+16.1% YoY
— QoQ
 +$803K $2.6M $11.7M $40.4M 74%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Liquidity Overhang

risk
#146 of 742 • Bottom 19.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 23.12%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 86.08%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#239 of 936 • Bottom 25.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#488 of 1256 • Bottom 38.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.70%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

208
Efficiency Ratio
profitability
Value: 44.11%
Peer Median: 64.48%
#208 of 2643 Top 7.8% in $100M-$1B
234
Tier 1 Capital Ratio
capital
Value: 23.12%
Peer Median: 15.91%
#234 of 2643 Top 8.8% in $100M-$1B
553
Return on Assets
profitability
Value: 1.78%
Peer Median: 1.32%
#553 of 2643 Top 20.9% in $100M-$1B

Top Weaknesses (2 metrics)

2437
Non-Interest Income / Assets
revenue_mix
Value: 0.06%
Peer Median: 0.57%
#2437 of 2643 Bottom 7.8% in $100M-$1B
2118
Net Interest Margin
profitability
Value: 3.30%
Peer Median: 3.99%
#2118 of 2643 Bottom 19.9% in $100M-$1B
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