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Bank Of O'Fallon
O'Fallon, IL · FDIC Certificate #18171 · Chartered 03/2
Total assets
$377.54M
Total deposits
$324.15M
Total equity
$51.93M
Net loans
$279.01M
Branches (offices)
2
Net income (YTD)
$3.36M
Rank: #2,153 of 4,213 U.S. banks by assets · #129 of 322 in Illinois. Assets changed 1.7% and deposits 1.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.78% |
| Return on equity | 13.23% |
| Net interest margin (YTD) | 3.30% |
| Equity to assets | 13.76% |
| Tier 1 leverage ratio | 13.82% |
| Uninsured deposits (share of deposits) | 32.4% |
| Noncurrent loans (share of loans) | 0.69% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 86.1% |
| Real estate loans (share of loans) | 92.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $256.67M | 92.0% | |
| Commercial & industrial | $18.07M | 6.5% | |
| Consumer / individual | $8.86M | 3.2% | |
| Construction & development | $40.60M | 14.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $383.33M | $333.76M | $2.22M | $48.78M |
| Jun 2023 | $333.90M | $287.24M | $2.76M | $45.61M |
| Jun 2024 | $341.80M | $292.78M | $3.29M | $47.62M |
| Jun 2025 | $371.23M | $319.68M | $2.89M | $50.01M |
| Jun 2026 | $377.54M | $324.15M | $3.36M | $51.93M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $324.15M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $324.15M.
Similar-sized banks
Bank Of Commerce & Trust Co. ($377.88M) · Lamar National Bank ($375.88M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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