BANK OF O'FALLON

O'FALLON, IL | Small | Est. March 28, 1960, midnight | FDIC #18171 | RSSD #410748 | FDIC
Latest Report: 2025-12-31

BANK OF O'FALLON is asn small FDIC-insured commercial bank headquartered in O'FALLON, IL, established in March 28, 1960, midnight. As of 2025-12-31, the bank reported total assets of $378M and total deposits of $327M. Profitability stands at 1.21% ROA and 9.08% ROE, with a net interest margin of 3.56%. The bank's CET1 capital ratio is 22.45%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.45% and a Texas Ratio of 3.62%. FDIC Certificate #18171.

Assets

$378M

Deposits

$327M

Loans

$281M

Equity

$50M

Profitability

Return on Assets (ROA) 1.21%
Return on Equity (ROE) 9.08%
Net Interest Margin (NIM) 3.56%
Yield on Assets 5.66%
Cost of Funds 2.24%

Asset Quality

NPL Ratio 0.45%
Net Charge-Off Ratio 0.13%
Texas Ratio 3.62%
NPA Ratio 0.52%
ACL / Loans 1.59%

Capital & Liquidity

CET1 Ratio 22.45%
Tier 1 Capital 22.45%
Total Capital Ratio 23.70%
Leverage Ratio 13.54%
Loan-to-Deposit 86.06%

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