O'Bannon Banking Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 1.65 percentage points higher than in Q1 2026, at 83.52%. Within Missouri, O'Bannon Banking Company is 116th of 192 on return on assets, 1.29% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets; O'Bannon Banking Company reported 1.29% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.36% |
| Equity capital to assets | 8.89% |
| Tangible equity to tangible assets | 8.89% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.46% |
| Non-performing assets ratio | 1.09% |
| Net charge-off ratio | 0.07% |
| Texas ratio | 11.16% |
| Allowance for credit losses to loans | 1.17% |
| Reserve coverage of non-performing loans | 79.99% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.29% |
| Return on equity | 14.88% |
| Net interest margin | 4.00% |
| Efficiency ratio | 58.31% |
| Yield on earning assets | 5.93% |
| Cost of funds | 2.05% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.52% |
| Core deposits to total deposits | 93.93% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.31% |
| Securities to assets | 14.36% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.25% | 0.89% | 3.77% | 0.34% | 0.01% |
| Q4 2023 | 9.33% | 0.98% | 3.76% | 0.28% | 0.14% |
| Q1 2024 | 9.18% | 1.03% | 3.86% | 0.42% | 0.01% |
| Q2 2024 | 9.34% | 0.97% | 3.86% | 1.26% | 0.02% |
| Q3 2024 | 9.18% | 1.06% | 3.92% | 1.21% | 0.01% |
| Q4 2024 | 9.48% | 1.23% | 4.03% | 1.16% | 0.04% |
| Q1 2025 | 9.13% | 0.94% | 3.80% | 1.32% | -0.02% |
| Q2 2025 | 9.33% | 1.14% | 4.06% | 1.20% | 0.01% |
| Q3 2025 | 9.32% | 1.18% | 4.14% | 1.17% | 0.03% |
| Q4 2025 | 9.37% | 1.22% | 4.19% | 1.19% | 0.00% |
| Q1 2026 | 9.05% | 1.00% | 4.00% | 1.50% | -0.01% |
| Q2 2026 | 9.36% | 1.29% | 4.00% | 1.46% | 0.07% |
O'Bannon Banking Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock O'Bannon Banking Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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 O'Bannon Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8295) · FFIEC NIC profile (RSSD 955940)