BanksBANK OF O'FALLON

BANK OF O'FALLON

O'FALLON, ILSmallEst. March 28, 1960, midnightFDIC #18171RSSD #410748FDIC
Latest · 2025-12-31

BANK OF O'FALLON is an 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%. CET1 capital ratio: 22.45%, well above regulatory minimums. NPL ratio: 0.45% · Texas Ratio: 3.62%. Operates 2 domestic branches.

Assets
$378M
Deposits
$327M
Loans
$281M
Equity
$50M

Profitability

Return on Assets (ROA)1.21%
Return on Equity (ROE)9.08%
Net Interest Margin3.56%
Yield on Assets5.66%
Cost of Funds2.24%

Asset Quality

NPL Ratio0.45%
Net Charge-Off Ratio0.13%
Texas Ratio3.62%
NPA Ratio0.52%
ACL / Loans1.59%

Capital & Liquidity

CET1 Ratio22.45%
Tier 1 Capital22.45%
Total Capital Ratio23.70%
Leverage Ratio13.54%
Loan-to-Deposit86.06%

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