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OSB Community Bank

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

Ottawa, IL

3 branches across IL

2664 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

  • - Loan-to-Deposit Ratio 26.60% above tier average
  • - Non-Interest-Bearing Deposit Share 13.36% below tier average
  • - ROA 0.54% below tier average
  • - Net Interest Margin 0.60% below tier average
  • - Efficiency Ratio 7.84% above tier average
Get updates when OSB Community Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $360.8M
+2.6% YoY -0.5% QoQ
-$25.3M $386.1M
+0.5% YoY
$2.3B
+4.5% YoY
$6.2B
+9.1% YoY
56%
Total Loans ? $308.0M
+4.4% YoY +0.7% QoQ
+$52.3M $255.7M
+1.1% YoY
$1.2B
+5.3% YoY
$3.2B
+10.8% YoY
69%
Total Deposits ? $298.4M
+3.6% YoY -0.9% QoQ
-$29.6M $328.0M
+0.1% YoY
$1.9B
+3.9% YoY
$4.8B
+8.2% YoY
54%
Return on Assets ? 0.73%
+29.5% YoY +22.5% QoQ
-0.54% 1.27%
+12.9% YoY
1.04%
+3.0% YoY
1.23%
+13.4% YoY
23%
Net Interest Margin ? 3.33%
+9.9% YoY +4.5% QoQ
-0.60% 3.93%
+6.0% YoY
3.61%
+7.5% YoY
3.89%
+5.7% YoY
23%
Efficiency Ratio ? 73.13%
-5.7% YoY -2.2% QoQ
+7.84% 65.29%
-4.5% YoY
63.68%
-7.4% YoY
66.95%
-4.1% YoY
26%
Delinquency Rate ? 0.34%
-75.9% YoY -40.5% QoQ
-0.55% 0.89%
+18.8% YoY
1.15%
+15.6% YoY
0.95%
+18.8% YoY
55%
Loan-to-Deposit Ratio ? 103.24%
+0.7% YoY +1.6% QoQ
+26.60% 76.64%
+0.8% YoY
71.92%
+1.0% YoY
76.70%
+0.9% YoY
Bottom 6.0% in tier
Non-Interest-Bearing Deposit Share ? 8.66%
-18.1% YoY +1.7% QoQ
-13.36% 22.02%
-1.0% YoY
20.45%
-1.2% YoY
22.01%
-1.2% YoY
Bottom 8.3% in tier
Nonperforming Asset Ratio ? 0.29%
-75.4% YoY -39.8% QoQ
-0.35% 0.64%
+19.7% YoY
0.78%
+18.1% YoY
0.67%
+19.3% YoY
51%
Tier 1 Capital Ratio ? 15.22%
-6.4% YoY -1.9% QoQ
-0.61% 15.83%
+1.5% YoY
16.97%
+0.7% YoY
17.06%
+0.8% YoY
68%
Non-Interest Income / Assets ? 0.09%
+66.2% YoY -66.9% QoQ
-0.19% 0.28%
+9.3% YoY
0.34%
+6.9% YoY
0.32%
+4.1% YoY
44%

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 (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

2506
Loan-to-Deposit Ratio
liquidity
Value: 103.24%
Peer Median: 76.64%
#2506 of 2664 Bottom 6.0% in $100M-$1B
2443
Non-Interest-Bearing Deposit Share
funding
Value: 8.66%
Peer Median: 22.02%
#2443 of 2664 Bottom 8.3% in $100M-$1B
2064
Return on Assets
profitability
Value: 0.73%
Peer Median: 1.27%
#2064 of 2664 Bottom 22.6% in $100M-$1B
2048
Net Interest Margin
profitability
Value: 3.33%
Peer Median: 3.93%
#2048 of 2664 Bottom 23.2% in $100M-$1B
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