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OSB Community Bank

$100M-$1B Specialty: Commercial IL FDIC cert 27989

Ottawa, IL

3 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 +4.6% year over year ($293.5M on the books).
  • Delinquency rate 0.37%.
  • Return on assets 0.95%.
  • Efficiency ratio 67.57% vs a 64.48% peer average.
  • Loan-to-deposit ratio 104.12% 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) →

OSB Community Bank has 1 strength 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

  • + Delinquency Rate 0.55% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 45.7% in tier
  • - Non-Interest-Bearing Deposit Share 12.68% below tier average
  • - ROA 0.37% below tier average
  • - Net Interest Margin 0.61% below tier average
  • - Efficiency Ratio 3.09% above tier average
Get updates when OSB Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $355.6M
+2.6% YoY -1.4% QoQ
-$31.0M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
55%
Total Loans ? $305.6M
+1.1% YoY -0.8% QoQ
+$47.2M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
68%
Total Deposits ? $293.5M
+4.6% YoY -1.6% QoQ
-$33.3M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
53%
Return on Assets ? 0.95%
+50.0% YoY +30.2% QoQ
-0.37% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
31%
Net Interest Margin ? 3.38%
+7.1% YoY +1.5% QoQ
-0.61% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
23%
Efficiency Ratio ? 67.57%
-10.0% YoY -7.6% QoQ
+3.09% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
35%
Delinquency Rate ? 0.37%
-71.8% YoY +7.6% QoQ
-0.55% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
53%
Loan-to-Deposit Ratio ? 104.12%
-3.3% YoY +0.9% QoQ
+26.17% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
Bottom 6.4% in tier
Non-Interest-Bearing Deposit Share ? 9.35%
+3.2% YoY +8.0% QoQ
-12.68% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
Bottom 9.4% in tier
Nonperforming Asset Ratio ? 0.31%
-72.2% YoY +8.3% QoQ
-0.35% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
51%
Tier 1 Capital Ratio ? 15.79%
-0.3% YoY +3.7% QoQ
-0.12% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
71%
Non-Interest Income / Assets ? 0.28%
+111.5% YoY +228.8% QoQ
-0.28% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
70%

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 9.3%
+0.3pp YoY
+0.7pp QoQ
 -12.8pp 22.1% 20.1% 22.2% 9%
Brokered Deposits 15.1%
+4.4pp YoY
+0.4pp QoQ
 +7.2pp 7.9% 8.0% 8.5% 85%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 9.2%
+1.2pp YoY
-0.1pp QoQ
 -2.4pp 11.6% 14.7% 12.5% 47%
CRE 34.9%
+3.7pp YoY
+0.8pp QoQ
 -4.6pp 39.5% 37.9% 41.4% 43%
1-4 Family 52.3%
-3.6pp YoY
-0.2pp QoQ
 +19.6pp 32.6% 28.3% 31.3% 84%
Consumer 0.4%
-0.4pp YoY
-0.1pp QoQ
 -3.7pp 4.1% 5.4% 5.0% 14%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 15.8%
0.0pp YoY
+0.6pp QoQ
 -3.0pp 18.8% 19.9% 19.7% 56%
Leverage Ratio 11.6%
0.0pp YoY
+0.3pp QoQ
 -0.5pp 12.2% 12.2% 12.6% 60%
Total Capital Ratio 17.0%
0.0pp YoY
+0.6pp QoQ
 -2.9pp 19.9% 20.9% 20.8% 57%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 45
+2 (+4.7%) YoY
0 QoQ
 -14 58 228 482 47%
Assets per Employee ($) $7.9M
-2.0% YoY
-1.4% QoQ
 +$384K $7.5M $8.3M $8.8M 66%
Branch Count 3
0 YoY
0 QoQ
 -2 4 10 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days 0.3%
-0.8pp YoY
0.0pp QoQ
 0.0pp 0.3% 0.4% 0.4% 73%
Nonaccrual 0.1%
-0.1pp YoY
0.0pp QoQ
 -0.9pp 0.9% 1.1% 1.0% 16%
Allowance Coverage 3.61x
+246.6% YoY
-6.6% QoQ
 -20.54x 24.15x 5.62x 20.23x 63%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 60%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 8.5%
+2.9pp YoY
+1.9pp QoQ
 -3.7pp 12.2% 10.5% 11.6% 28%
Cost of Funds (YTD) 1.9%
-0.1pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.6% 1.7% 66%
Net Income ($, YTD) $1.7M
+53.9% YoY
— QoQ
 -$838K $2.6M $11.7M $40.4M 46%

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 (1)

Liquidity Strain

risk
#317 of 691 • Bottom 45.7% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 104.12%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

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 (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

2476
Loan-to-Deposit Ratio
liquidity
Value: 104.12%
Peer Median: 77.95%
#2476 of 2643 Bottom 6.4% in $100M-$1B
2396
Non-Interest-Bearing Deposit Share
funding
Value: 9.35%
Peer Median: 22.03%
#2396 of 2643 Bottom 9.4% in $100M-$1B
2045
Net Interest Margin
profitability
Value: 3.38%
Peer Median: 3.99%
#2045 of 2643 Bottom 22.7% in $100M-$1B
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