OSB Community Bank

BankOttawa, Illinois
www.myosb.bank

Total Assets

$362.6M

Total Deposits

$300.9M

Branches

3

Established

1871

TFS Health Grade

$
C-

72.3 / 100

Average financial health

How we grade

OSB Community Bank is a bank headquartered in Ottawa, Illinois, established in 1871. With $362.6M in total assets and 3 branch locations, it has a TFS Financial Health Grade of C- (72.3/100).

Capital & Safety

Tier 1 Capital Ratio
11.24%(8%)
Total Capital Ratio
16.78%(10%)
Non-Performing Loan Ratio
0.56%

Profitability

Return on Assets (ROA)
0.60%(1%)
Return on Equity (ROE)
5.30%(10%)
Net Interest Margin
3.19%
Efficiency Ratio
74.78%(60%)

Lending & Liquidity

Total Loans
$309.9M
Loan-to-Deposit Ratio
101.60%
Net Charge-Off Ratio
0.01%

Growth

Asset Growth (YoY)
+2.53%
Deposit Growth (YoY)
+5.43%
Net Income
$2.1M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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