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Osb Community Bank
Ottawa, IL · FDIC Certificate #27989 · Chartered 01/0
Total assets
$355.62M
Total deposits
$293.48M
Total equity
$40.71M
Net loans
$305.57M
Branches (offices)
3
Net income (YTD)
$1.72M
Rank: #2,227 of 4,213 U.S. banks by assets · #135 of 322 in Illinois. Assets changed 2.6% and deposits 4.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.95% |
| Return on equity | 8.50% |
| Net interest margin (YTD) | 3.38% |
| Equity to assets | 11.45% |
| Tier 1 leverage ratio | 11.64% |
| Uninsured deposits (share of deposits) | 27.6% |
| Noncurrent loans (share of loans) | 0.36% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 104.1% |
| Real estate loans (share of loans) | 90.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $276.89M | 90.6% | |
| Commercial & industrial | $28.00M | 9.2% | |
| Consumer / individual | $1.32M | 0.4% | |
| Construction & development | $25.18M | 8.2% | |
| Agricultural | $3.15M | 1.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $343.17M | $284.04M | $1.64M | $43.78M |
| Jun 2023 | $366.70M | $293.57M | $1.06M | $41.70M |
| Jun 2024 | $353.15M | $279.35M | $283.00K | $39.92M |
| Jun 2025 | $346.76M | $280.69M | $1.12M | $39.46M |
| Jun 2026 | $355.62M | $293.48M | $1.72M | $40.71M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $293.48M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $293.48M.
Similar-sized banks
Interamerican Bank, A FSB ($355.68M) · Ireland Bank ($355.37M)
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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