Bank Comparison
Bank of O'fallon vs Grundy Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
4 · 19
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Bank of O'fallon | Grundy Bank |
|---|---|---|
| CET1 Ratio | 21.81% | 22.07% |
| Tier 1 Capital Ratio | 21.81% | 22.07% |
| Total Capital Ratio | 23.06% | 23.32% |
| Tier 1 Leverage Ratio | 13.48% | 13.53% |
| Equity / Assets | 13.46% | 14.19% |
Profitability
| Metric | Bank of O'fallon | Grundy Bank |
|---|---|---|
| Return on Assets (ROA) | 1.82% | 3.38% |
| Return on Equity (ROE) | 13.70% | 23.65% |
| Net Interest Margin (NIM) | 3.27% | 4.98% |
| Yield on Earning Assets | 5.21% | 5.63% |
| Cost of Funds | 2.21% | 0.73% |
Asset quality
| Metric | Bank of O'fallon | Grundy Bank |
|---|---|---|
| Texas Ratio | 4.26% | 0.24% |
| Non-Performing Loan Ratio | 0.43% | 0.05% |
| Non-Performing Asset Ratio | 0.52% | 0.03% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.61% | 1.15% |
Balance sheet
| Metric | Bank of O'fallon | Grundy Bank |
|---|---|---|
| Total Assets | $377,302K | $374,740K |
| Total Deposits | $325,095K | $319,722K |
| Total Loans | $285,001K | $252,617K |
| Total Equity | $50,787K | $53,186K |
| Net Income (quarter) | $1,718K | $3,116K |
Liquidity & funding
| Metric | Bank of O'fallon | Grundy Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 87.67% | 79.01% |
| Core Deposit Ratio | 90.17% | 99.22% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of O'fallon | Grundy Bank |
|---|---|---|
| Headquarters City | O'FALLON | MORRIS |
| Headquarters State | IL | IL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 2 | 4 |
| Employees (FTE) | 32 | 65 |
| Established | March 28, 1960, midnight | Sept. 16, 1864, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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