BlastPoint's Banking Scorecard
Bank of O'Fallon
Micro
Specialty: Commercial
IL
FDIC cert 18171
Designations: ✓ Community bank
O'Fallon, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Bank of O'Fallon has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 18.21% below tier
- + Tier 1 Capital Ratio 13.59% above tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.49% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$378.5M
+7.1% YoY
+0.2% QoQ
|
+$161.0M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Top 15% in tier |
| Total Loans ? |
$276.6M
+4.3% YoY
+3.7% QoQ
|
+$137.4M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Top 11% in tier |
| Total Deposits ? |
$326.6M
+7.6% YoY
+0.2% QoQ
|
+$142.9M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Top 14% in tier |
| Return on Assets ? |
1.48%
-12.4% YoY
-5.8% QoQ
|
+0.40% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
74% |
| Net Interest Margin ? |
3.20%
-6.4% YoY
+2.1% QoQ
|
-0.66% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
22% |
| Efficiency Ratio ? |
49.52%
+7.1% YoY
+8.1% QoQ
|
-18.21% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Top 10% in tier |
| Delinquency Rate ? |
0.48%
-27.5% YoY
-19.2% QoQ
|
-0.16% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
84.70%
-3.0% YoY
+3.5% QoQ
|
+10.17% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
21.17%
+4.1% YoY
+5.9% QoQ
|
-1.23% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.54%
-27.7% YoY
-14.5% QoQ
|
+0.09% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
35% |
| Tier 1 Capital Ratio ? |
22.45%
-0.3% YoY
-0.9% QoQ
|
+13.59% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Top 10% in tier |
| Non-Interest Income / Assets ? |
0.07%
-34.8% YoY
-0.6% QoQ
|
-0.49% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 5% in tier |
Signature Analysis
Strengths (2)
Efficiency Ratio
metric
Top 10%
in Micro
Why this stands out
Current:
49.52%
(Tier avg: 67.73%, National avg: 65.09%)
Tier 1 Capital Ratio
metric
Top 10%
in Micro
Why this stands out
Current:
22.45%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
0.07%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Efficiency Ratio
Current: 49.52% · Tier avg: 67.73%
90
90th pctile
Tier 1 Capital Ratio
Current: 22.45% · Tier avg: 8.85%
89
89th pctile
Total Loans
Current: $276.6M · Tier avg: $139.2M
86
86th pctile
Total Deposits
Current: $326.6M · Tier avg: $183.7M
85
85th pctile
Total Assets
Current: $378.5M · Tier avg: $217.5M
74
74th pctile
Return on Assets
Current: 1.48% · Tier avg: 1.08%
67
67th pctile
Loan-to-Deposit Ratio
Current: 84.70% · Tier avg: 74.53%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 21.17% · Tier avg: 22.39%
46
46th pctile
Delinquency Rate
Current: 0.48% · Tier avg: 0.64%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.54% · Tier avg: 0.45%
22
22th pctile
Net Interest Margin
Current: 3.20% · Tier avg: 3.85%
5
5th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.56%
Top Weaknesses
5
5th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.56%
22
22th pctile
Net Interest Margin
Current: 3.20% · Tier avg: 3.85%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.54% · Tier avg: 0.45%
46
46th pctile
Delinquency Rate
Current: 0.48% · Tier avg: 0.64%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 21.17% · Tier avg: 22.39%
67
67th pctile
Loan-to-Deposit Ratio
Current: 84.70% · Tier avg: 74.53%
74
74th pctile
Return on Assets
Current: 1.48% · Tier avg: 1.08%
85
85th pctile
Total Assets
Current: $378.5M · Tier avg: $217.5M
86
86th pctile
Total Deposits
Current: $326.6M · Tier avg: $183.7M
89
89th pctile
Total Loans
Current: $276.6M · Tier avg: $139.2M
90
90th pctile
Tier 1 Capital Ratio
Current: 22.45% · Tier avg: 8.85%
90
90th pctile
Efficiency Ratio
Current: 49.52% · Tier avg: 67.73%