OSB COMMUNITY BANK

OTTAWA, IL | Small | Est. Jan. 1, 1871, midnight | FDIC #27989 | RSSD #725077 | FDIC
Latest Report: 2025-12-31

OSB COMMUNITY BANK is asn small FDIC-insured commercial bank headquartered in OTTAWA, IL, established in Jan. 1, 1871, midnight. As of 2025-12-31, the bank reported total assets of $363M and total deposits of $301M. Profitability stands at 0.52% ROA and 4.64% ROE, with a net interest margin of 3.36%. The bank's CET1 capital ratio is 15.52%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.29% and a Texas Ratio of 1.99%. FDIC Certificate #27989.

Assets

$363M

Deposits

$301M

Loans

$310M

Equity

$40M

Profitability

Return on Assets (ROA) 0.52%
Return on Equity (ROE) 4.64%
Net Interest Margin (NIM) 3.36%
Yield on Assets 5.58%
Cost of Funds 2.34%

Asset Quality

NPL Ratio 0.29%
Net Charge-Off Ratio 0.01%
Texas Ratio 1.99%
NPA Ratio 0.24%
ACL / Loans 1.35%

Capital & Liquidity

CET1 Ratio 15.52%
Tier 1 Capital 15.52%
Total Capital Ratio 16.78%
Leverage Ratio 11.24%
Loan-to-Deposit 102.99%

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