Osb Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Osb Community Bank of Ottawa, IL against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.18% | 1.25% | -0.07% | 43rd below |
| ROAE | 10.41% | 12.22% | -1.81% | 37th below |
| Net Interest Margin | 3.36% | 3.95% | -0.59% | 21st bottom |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 62.60% | 63.71% | -1.11% | 45th below |
| PPNR / Avg Assets | 1.50% | — | — | 44th below |
| Yield on Earning Assets | 5.22% | 5.67% | -0.45% | 31st below |
| Cost of Funds | 2.07% | 1.87% | +0.20% | 33rd below |
| Net Interest Spread | 2.95% | — | — | 30th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.36% | 0.88% | -0.52% | 53rd above |
| NPA / Total Assets | 0.31% | — | — | 50th above |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 85th top |
| ACL / Total Loans | 1.31% | — | — | 63rd above |
| ACL / NPLs (Coverage) | 361.34% | — | — | 63rd above |
| Texas Ratio | 2.54% | 5.96% | -3.42% | 51st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.79% | 17.18% | -1.39% | 56th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.79% | 17.21% | -1.42% | 56th above |
| Total Capital Ratio | 17.04% | — | — | 57th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.64% | 11.75% | -0.11% | 60th above |
| Equity / Assets | 11.45% | 10.98% | +0.47% | 65th above |
| TCE / Tangible Assets | 11.29% | — | — | 66th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 105.50% | 80.44% | +25.06% | 6th bottom |
| Core Deposit Ratio | 79.66% | 86.95% | -7.29% | 15th bottom |
| Wholesale Funding Ratio | 4.51% | — | — | 41st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.55% | — | — | 35th below |
| Loan Growth (Y/Y) | 1.08% | — | — | 26th below |
| Deposit Growth (Y/Y) | 4.55% | — | — | 54th above |
See Osb Community Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Osb Community Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Osb Community Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Osb Community Bank peer analysis.