Bank of O'Fallon: Deposit Base
Data as of · Call Report Schedules RC-E and RC-O How we update
How the bank is funded. Core deposits are the stable, mostly-insured relationship money; brokered and uninsured balances are the fastest to leave. The 2023 regional bank failures were runs on uninsured deposits, which is why that share now gets read first.
Noninterest-bearing share of deposits dropped 0.93 percentage points in Q2 2026, from 19.32% to 18.39%. It was the largest change from Q1 2026 among the key lines here. Bank of O'Fallon ranks 128th of 323 Illinois banks on total deposits, in the upper half at $324.1M (Q2 2026). The median for banks in the $100M-1B asset tier is $277.3M on total deposits. Bank of O'Fallon sits 17% higher, at $324.1M (Q2 2026).
Deposit totals
| Line item | Q2 2026 |
|---|---|
| Total deposits | $324.1M |
| Domestic office deposits | $324.1M |
| Foreign office deposits | — |
| Deposits to total assets | 85.86% |
| Deposits to total liabilities | 99.55% |
Deposit composition
| Line item | Q2 2026 |
|---|---|
| Demand deposits | $59.6M |
| Savings deposits | $34.7M |
| Transaction accounts to domestic deposits | 43.67% |
| Time deposits | $38K |
| Time deposits under $100k | $46.0M |
| Time deposits $100k to $250k | $43.6M |
| Time deposits over $250k | $32.7M |
| Noninterest-bearing share of deposits | 18.39% |
Stability of funding
| Line item | Q2 2026 |
|---|---|
| Core deposits | $291.5M |
| Core deposits to total deposits | 89.92% |
| Insured deposits | — |
| Uninsured deposits | — |
| Uninsured deposits to total deposits | — |
| Brokered deposits | $0 |
| Brokered deposits to total deposits | 0.00% |
Cost of deposits
| Line item | Q2 2026 |
|---|---|
| Cost of interest-bearing deposits | 2.77% |
| Interest expense on deposits | $1.8M |
| Loans and leases to core deposits | 97.30% |
Deposit Base trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|
| Q3 2023 | $303.0M | 90.28% | 0.00% | 2.08% |
| Q4 2023 | $288.5M | 89.26% | 0.00% | 2.33% |
| Q1 2024 | $304.2M | 88.86% | 0.00% | 2.38% |
| Q2 2024 | $292.8M | 88.49% | 0.00% | 2.88% |
| Q3 2024 | $297.1M | 88.48% | 0.00% | 2.81% |
| Q4 2024 | $303.6M | 89.71% | 0.00% | 3.05% |
| Q1 2025 | $324.4M | 90.44% | 0.00% | 3.08% |
| Q2 2025 | $319.7M | 90.11% | 0.00% | 3.19% |
| Q3 2025 | $326.1M | 90.72% | 0.00% | 3.09% |
| Q4 2025 | $326.6M | 90.33% | 0.00% | 2.82% |
| Q1 2026 | $325.1M | 90.17% | 0.00% | 2.77% |
| Q2 2026 | $324.1M | 89.92% | 0.00% | 2.77% |
Bank of O'Fallon deposit base, all the way back
Deposit Base back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of O'Fallon, freeSource: Call Report Schedules RC-E and RC-O, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of O'Fallon profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18171) · FFIEC NIC profile (RSSD 410748)