BlastPoint's Banking Scorecard
OSB Community Bank
Micro
Specialty: Commercial
IL
FDIC cert 27989
Designations: ✓ Community bank
Ottawa, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
OSB Community Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 27.07% above tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 13.88% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$362.6M
+2.5% YoY
+2.4% QoQ
|
+$145.1M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
82% |
| Total Loans ? |
$305.8M
+1.3% YoY
+2.3% QoQ
|
+$166.6M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Top 7% in tier |
| Total Deposits ? |
$300.9M
+5.4% YoY
+2.2% QoQ
|
+$117.3M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
81% |
| Return on Assets ? |
0.60%
+86.8% YoY
-4.6% QoQ
|
-0.49% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
22% |
| Net Interest Margin ? |
3.19%
+13.0% YoY
+0.7% QoQ
|
-0.67% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
22% |
| Efficiency Ratio ? |
74.78%
-7.5% YoY
-0.2% QoQ
|
+7.05% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
29% |
| Delinquency Rate ? |
0.57%
-64.2% YoY
-52.7% QoQ
|
-0.07% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
101.60%
-4.0% YoY
+0.2% QoQ
|
+27.07% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.51%
-2.3% YoY
+6.4% QoQ
|
-13.88% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 9% in tier |
| Nonperforming Asset Ratio ? |
0.48%
-64.7% YoY
-52.7% QoQ
|
+0.03% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
38% |
| Tier 1 Capital Ratio ? |
15.52%
-8.2% YoY
+0.0% QoQ
|
+6.67% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.26%
+2.1% YoY
+32.0% QoQ
|
-0.30% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
34% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
101.60%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 9%
in Micro
Why this stands out
Current:
8.51%
(Tier avg: 22.39%, National avg: 21.79%)
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
93
93th pctile
Total Loans
Current: $305.8M · Tier avg: $139.2M
93
93th pctile
Loan-to-Deposit Ratio
Current: 101.60% · Tier avg: 74.53%
82
82th pctile
Total Assets
Current: $362.6M · Tier avg: $217.5M
81
81th pctile
Total Deposits
Current: $300.9M · Tier avg: $183.7M
74
74th pctile
Tier 1 Capital Ratio
Current: 15.52% · Tier avg: 8.85%
42
42th pctile
Delinquency Rate
Current: 0.57% · Tier avg: 0.64%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.48% · Tier avg: 0.45%
34
34th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.56%
29
29th pctile
Efficiency Ratio
Current: 74.78% · Tier avg: 67.73%
22
22th pctile
Return on Assets
Current: 0.60% · Tier avg: 1.08%
22
22th pctile
Net Interest Margin
Current: 3.19% · Tier avg: 3.85%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.51% · Tier avg: 22.39%
Top Weaknesses
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.51% · Tier avg: 22.39%
22
22th pctile
Net Interest Margin
Current: 3.19% · Tier avg: 3.85%
22
22th pctile
Return on Assets
Current: 0.60% · Tier avg: 1.08%
29
29th pctile
Efficiency Ratio
Current: 74.78% · Tier avg: 67.73%
34
34th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.56%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.48% · Tier avg: 0.45%
42
42th pctile
Delinquency Rate
Current: 0.57% · Tier avg: 0.64%
74
74th pctile
Tier 1 Capital Ratio
Current: 15.52% · Tier avg: 8.85%
81
81th pctile
Total Deposits
Current: $300.9M · Tier avg: $183.7M
82
82th pctile
Total Assets
Current: $362.6M · Tier avg: $217.5M
93
93th pctile
Loan-to-Deposit Ratio
Current: 101.60% · Tier avg: 74.53%
93
93th pctile
Total Loans
Current: $305.8M · Tier avg: $139.2M