Osb Community Bank
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Data as of · sourced from FFIEC call reports. How we update
Osb Community Bank is an FDIC-insured commercial bank headquartered in Ottawa, IL, established in 1871 (FDIC certificate 27989), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $355.6M, up 2.6% from Q2 2025, the 133rd largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 15.79% 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
- 27989
- Headquarters
- Ottawa, IL
- Established
- 1871
- Total assets, Q2 2026
- $355.6M
- Assets vs Q2 2025
- +2.6%
- CET1 ratio, Q2 2026
- 15.79%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 271972925
- Holding company
- OTTAWA BANCORP, INC.
- Asset rank in state
- 133rd of 319 in Illinois
Problem loans are falling at Osb Community Bank. Its balance sheet stood at $356 million at June 30, 2026, up 2.6% from a year earlier; it is based in Ottawa, Illinois. Loans on nonaccrual or 90 or more days past due, net of government guarantees, fell to 0.36% of loans from 1.28% a year earlier. It keeps 3.36 cents of net interest income on every dollar of earning assets, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents).
Earnings jumped: net income for the quarter was $1.1 million, 71% above the same quarter a year earlier. Over the same year, loans grew 1.1% and deposits grew 4.6%.
As of June 30, 2026, Osb Community Bank reported a CET1 capital ratio of 15.79%, a return on assets of 1.18%, a nonperforming-loan ratio of 0.36% and a Texas ratio of 2.54%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Osb Community Bank is the 133rd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.4% to $355.6M, loans fell 0.8% and deposits fell 1.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 51.6% of total loans, ahead of non-owner-occupied commercial real estate loans at 11.8%. Its 3 offices in the FDIC Summary of Deposits are in Ottawa, IL, Marseilles, IL and Morris, IL; its Ottawa office books 52% of its branch deposits. Judged on its Q2 2026 call report, Osb Community Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 925 La Salle St, Ottawa, IL 61350
- County
- Lasalle
- Metro Area
- Ottawa, 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 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1871
- Former names
- Ottawa Savings Bank (1996-2021)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 45
- Domestic deposits
- $293.5M
- Allowance for credit losses
- $4.0M
- Net charge-offs (YTD)
- $49K
- Average total assets
- $358.1M
- Average total loans
- $311.0M
- Average interest-bearing deposits
- $269.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 27989
- Fed RSSD
- 725077
- SEC CIK
- 1675192 → filed by OTTAWA BANCORP, INC.
- Website
- www.myosb.bank →
- Parent Holding Company
- OTTAWA BANCORP, INC. (RSSD 5009204)
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
From Q3 2023 to Q2 2026, Osb Community Bank's total assets ranged from $346.8M (Q2 2025) to $365.2M (Q3 2023), 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
$355.6M total assets against $346.8M; $314.9M total liabilities against $307.3M.
$305.6M net loans and leases against $302.2M; $293.5M total deposits against $280.7M.
$15.1M securities against $17.4M; $19.4M cash and balances due against $10.3M.
$4.5M total interest income against $4.3M; $1.6M total interest expense against $1.6M.
$2.9M net interest income against $2.7M.
$699K total noninterest income against $283K; $2.3M total noninterest expense against $2.2M.
-$17K provision for credit losses against -$49K.
$1.1M net income against $617K.
1.18% return on assets against 0.70%; 3.36% net interest margin against 3.17%.
15.79% CET1 capital ratio against 15.83%; 11.64% tier 1 leverage ratio against 11.61%.
Inside the full Osb Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Osb Community Bank rankings
Its closest position to the top of a national ranking is 737 of 2,134, for CET1 ratio; its furthest is 2,100 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.29% (Q3 2024) to 1.18% (Q2 2026) and its net interest margin ran from 2.71% (Q3 2024) to 3.36% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.79% | 1.18% | 0.36% | 2.54% | 3.36% |
| Q1 2026 | 15.22% | 0.73% | 0.34% | 2.40% | 3.26% |
| Q4 2025 | 15.52% | 0.51% | 0.56% | 4.00% | 3.15% |
| Q3 2025 | 15.52% | 0.61% | 1.19% | 8.35% | 3.11% |
| Q2 2025 | 15.83% | 0.70% | 1.28% | 9.15% | 3.17% |
| Q1 2025 | 16.26% | 0.56% | 1.39% | 9.73% | 2.91% |
| Q4 2024 | 16.92% | 0.68% | 1.58% | 10.86% | 3.01% |
| Q3 2024 | 16.15% | 0.29% | 1.52% | 10.60% | 2.71% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Osb Community Bank (main office) | Ottawa , IL | 61350 | $151.2M |
| Osb Community Bank Branch | Marseilles , IL | 61341 | $83.6M |
| Osb Community Bank Branch | Morris , IL | 60450 | $58.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2015 | Structure Change | Acquired Twin Oaks Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 165 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 133 applications, 100 loans originated, $37.0M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, 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 Osb Community Bank
What are Osb Community Bank's total assets?
As of the Q2 2026 filing, Osb Community Bank reported total assets of $355.6 million in its FFIEC call report.
Where is Osb Community Bank headquartered?
It is headquartered in Ottawa, IL, United States.
When was Osb Community Bank founded?
It was established in 1871, per the FDIC institution directory.
Is Osb Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #27989). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Osb Community Bank?
Osb Community Bank's primary federal regulator is the FDIC.
What is Osb Community Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.79% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Osb Community Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Osb Community Bank's Texas Ratio?
Its Texas Ratio is 2.54% 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.
What was Osb Community Bank previously called?
The charter now named Osb Community Bank has also operated as Ottawa Savings Bank (1996-2021), per FDIC structure-change records.
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