Bank of O'Fallon
BankRegReports is independent of Bank of O'Fallon and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Bank of O'Fallon is an FDIC-insured commercial bank headquartered in O'Fallon, IL, established in 1960 (FDIC certificate 18171), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $377.5M, up 1.7% from Q2 2025, the 127th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 23.12% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 18171
- Headquarters
- O'Fallon, IL
- Established
- 1960
- Total assets, Q2 2026
- $377.5M
- Assets vs Q2 2025
- +1.7%
- CET1 ratio, Q2 2026
- 23.12%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 081023019
- Latest call report
- Q2 2026, FFIEC 041 · Bank of O'Fallon call report
- Holding company
- SECURITY FIRST BANCSHARES INC
- Asset rank in state
- 127th of 319 in Illinois
Bank of O'Fallon runs leaner than most banks of its size. It reported $378 million in assets at June 30, 2026, up 1.7% from a year earlier. It spends about 46 cents to bring in each dollar of revenue, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also holds common equity equal to 23.12% of its risk-weighted assets, higher than about three-quarters of banks its size (median 15.12%).
Loans are outrunning deposits: over the year loans rose 5.8% and deposits rose 1.4%. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.69% of loans from 0.54% a year earlier. Its margin is thin by comparison: it keeps 3.26 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Bank of O'Fallon reported a CET1 capital ratio of 23.12%, a return on assets of 1.75%, a nonperforming-loan ratio of 0.69% and a Texas ratio of 4.74%. The figures come from its call report filed with the FFIEC.
Bank of O'Fallon ranks as the 127th largest of the 319 banks based in Illinois, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.1% to $377.5M, loans fell 0.5% and deposits fell 0.3%. 1-4 family residential loans made up 61.2% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 14.3%. Its 2 offices in the FDIC Summary of Deposits are in O'Fallon, IL. By the capital ratios in its Q2 2026 call report, Bank of O'Fallon meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 901 S Lincoln Ave, O'Fallon, IL 62269
- County
- St. Clair
- Metro Area
- St. Louis, MO-IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- March 28, 1960
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 34
- Domestic deposits
- $324.1M
- Allowance for credit losses
- $4.6M
- Net charge-offs (YTD)
- $25K
- Average total assets
- $375.9M
- Average total loans
- $281.3M
- Average interest-bearing deposits
- $263.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 28, 1960
- FDIC Cert
- 18171
- Fed RSSD
- 410748
- Website
- http://www.bankofallon.com →
- Parent Holding Company
- SECURITY FIRST BANCSHARES INC (RSSD 3176661)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Bank of O'Fallon's total assets ran between $335.1M (Q4 2023) and $378.5M (Q4 2025), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$377.5M total assets against $371.2M; $325.6M total liabilities against $321.2M.
$279.0M net loans and leases against $263.8M; $324.1M total deposits against $319.7M.
$21.1M securities against $19.6M; $68.1M cash and balances due against $78.9M.
$4.8M total interest income against $4.9M; $1.8M total interest expense against $2.1M.
$3.0M net interest income against $2.8M.
$140K total noninterest income against $126K; $1.5M total noninterest expense against $1.3M.
$59K provision for credit losses against $47K.
$1.6M net income against $1.6M.
1.75% return on assets against 1.68%; 3.26% net interest margin against 3.02%.
23.12% CET1 capital ratio against 22.80%; 13.82% tier 1 leverage ratio against 13.18%.
Inside the full Bank of O'Fallon terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of O'Fallon rankings
Its closest position to the top of a national ranking is 215 of 2,134, for CET1 ratio; its furthest is 2,144 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.68% (Q3 2024) to 3.59% (Q4 2024) and its net interest margin ran from 2.99% (Q1 2025) to 3.42% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 23.12% | 1.75% | 0.69% | 4.74% | 3.26% |
| Q1 2026 | 21.81% | 1.82% | 0.58% | 4.26% | 3.27% |
| Q4 2025 | 22.08% | 0.34% | 0.47% | 3.78% | 3.38% |
| Q3 2025 | 22.65% | 1.54% | 0.58% | 4.36% | 3.16% |
| Q2 2025 | 22.80% | 1.68% | 0.54% | 4.15% | 3.02% |
| Q1 2025 | 22.83% | 1.44% | 0.52% | 4.10% | 2.99% |
| Q4 2024 | 22.50% | 3.59% | 0.65% | 5.02% | 3.22% |
| Q3 2024 | 21.45% | -0.68% | 0.66% | 3.74% | 3.42% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of O'Fallon (main office) | O'Fallon , IL | 62269 | $324.1M |
| Drive-In Facility Branch | O'Fallon , IL | 62269 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 151 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $290K approved, $145K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Bank of O'Fallon’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Bank of O'Fallon
What are Bank of O'Fallon's total assets?
As of the Q2 2026 filing, Bank of O'Fallon reported total assets of $377.5 million in its FFIEC call report.
Where is Bank of O'Fallon headquartered?
It is headquartered in O'Fallon, IL, United States.
When was Bank of O'Fallon founded?
It was established in 1960, per the FDIC institution directory.
Is Bank of O'Fallon FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18171). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of O'Fallon?
Bank of O'Fallon's primary federal regulator is the FDIC.
What is Bank of O'Fallon's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 23.12% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of O'Fallon operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of O'Fallon's Texas Ratio?
Its Texas Ratio is 4.74% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Bank of O'Fallon.
Get an email when Bank of O'Fallon files its next call report, and benchmark it against any peer you choose.
Unlock Bank of O'Fallon, freeFree account