The Old Exchange National Bank of Okawville
The Old Exchange National Bank of Okawville is an FDIC-insured commercial bank headquartered in Okawville, IL, supervised by the OCC, with $91.3M in total assets at Q2 2026, up 9.9% from Q2 2025, the 266th largest of 319 banks headquartered in Illinois. It was established in 1910 and holds FDIC certificate 3827. Its CET1 capital ratio was 22.27% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
Also written as OENB of Okawville
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3827
- Headquarters
- Okawville, IL
- Established
- 1910
- Total assets, Q2 2026
- $91.3M
- Assets vs Q2 2025
- +9.9%
- CET1 ratio, Q2 2026
- 22.27%
- Domestic offices
- 1 · The Old Exchange National Bank of Okawville branches FDIC institution directory, current count
- Routing number
- 081915075
- Safety and soundness
- Is The Old Exchange National Bank of Okawville safe?
- Latest call report
- Q2 2026, FFIEC 051 · The Old Exchange National Bank of Okawville Q3 2026 call report, filed October 14, 2026 (preliminary)
- Holding company
- OKAWVILLE BANCSHARES, INC.
- Asset rank in state
- 266th of 319 in Illinois
The Old Exchange National Bank of Okawville, based in Okawville, Illinois, reported $91 million in assets at June 30, 2026, up 9.9% from a year earlier. It keeps 2.70 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 533 banks with less than $100 million in assets (median 3.91 cents). On the other hand, it spends about 55 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 69 cents).
Earnings jumped: net income for the quarter was $245,000, 47% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $2.8 million equal 26% of Tier 1 capital, down from 39% a year earlier.
As of June 30, 2026, The Old Exchange National Bank of Okawville reported a CET1 capital ratio of 22.27%, a return on assets of 1.04%, a nonperforming-loan ratio of 0.19% and a Texas ratio of 0.90%. The figures come from its call report filed with the FFIEC.
The Old Exchange National Bank of Okawville ranks as the 266th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.8% to $91.3M, loans rose 1.6% and deposits fell 0.8%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 47.7% of total loans, followed by agricultural production loans at 27.1%. Its one office in the FDIC Summary of Deposits is in Okawville, IL. Judged on its Q2 2026 call report, The Old Exchange National Bank of Okawville meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 110 E Walnut St, Okawville, IL 62271
- County
- Washington
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1910
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 11
- Domestic deposits
- $80.1M
- Allowance for credit losses
- $398K
- Net charge-offs (YTD)
- $19K
- Average total assets
- $94.5M
- Average total loans
- $38.8M
- Average interest-bearing deposits
- $65.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3827
- Fed RSSD
- 411240
- Website
- http://www.oenbokawville.com →
- Parent Holding Company
- OKAWVILLE BANCSHARES, INC. (RSSD 1248377)
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. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. 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, The Old Exchange National Bank of Okawville's total assets ran between $79.8M (Q2 2024) and $96.3M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$91.3M total assets against $83.1M; $83.6M total liabilities against $77.0M.
$38.5M net loans and leases against $35.1M; $80.1M total deposits against $73.6M.
$47.6M securities against $42.5M; $3.8M cash and balances due against $4.2M.
$997K total interest income against $895K; $402K total interest expense against $388K.
$595K net interest income against $507K.
$5K total noninterest income against $9K; $346K total noninterest expense against $339K.
$0 provision for credit losses against $0.
$245K net income against $167K.
1.04% return on assets against 0.76%; 2.70% net interest margin against 2.49%.
22.27% CET1 capital ratio against 22.59%; 11.13% tier 1 leverage ratio against 11.39%.
Inside the full The Old Exchange National Bank of Okawville terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.76% (Q2 2025) to 1.18% (Q1 2026) and its net interest margin ran from 2.49% (Q2 2025) to 2.81% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 22.27% | 1.04% | 0.19% | 0.90% | 2.70% |
| Q1 2026 | 22.21% | 1.18% | 0.26% | 1.17% | 2.76% |
| Q4 2025 | 20.51% | 1.09% | 0.24% | 1.23% | 2.81% |
| Q3 2025 | 22.28% | 0.87% | 0.29% | 1.36% | 2.59% |
| Q2 2025 | 22.59% | 0.76% | 0.29% | 1.60% | 2.49% |
| Q1 2025 | 21.99% | 0.84% | 0.92% | 5.02% | 2.52% |
| Q4 2024 | 21.10% | 0.85% | 0.06% | 0.42% | 2.53% |
| Q3 2024 | 21.40% | 0.97% | 0.07% | 0.38% | 2.54% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| The Old Exchange National Bank of Okawville | Okawville , IL | 62271 | $80.1M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- March 14, 2000, OCC: Formal Agreement: The Old Exchange National Bank of Okawville
- Period: Most recent institution action March 14, 2000. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 312 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Old Exchange National Bank of Okawville
What are The Old Exchange National Bank of Okawville's total assets?
As of the Q2 2026 filing, The Old Exchange National Bank of Okawville reported total assets of $91.3 million in its FFIEC call report.
Where is The Old Exchange National Bank of Okawville headquartered?
It is headquartered in Okawville, IL, United States.
When was The Old Exchange National Bank of Okawville founded?
It was established in 1910, per the FDIC institution directory.
Is The Old Exchange National Bank of Okawville FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3827). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Old Exchange National Bank of Okawville?
The Old Exchange National Bank of Okawville's primary federal regulator is the OCC.
What is The Old Exchange National Bank of Okawville's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 22.27% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Old Exchange National Bank of Okawville operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Old Exchange National Bank of Okawville's Texas Ratio?
Its Texas Ratio is 0.90% 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.
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