$377M
+0.6%y/y
Percentile by value22nd percentileby value
FDIC
ASSETBO
Bank of O'Fallon
O'Fallon, IllinoisFDIC Cert #18171
STATEEstablished 19602 branches
Holding company: SECURITY FIRST BANCSHARES INCRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportBank of O'Fallon reported $377M in total assets. Deposits grew 0.23% over the prior year.
Return on assets was 1.82%, compared with an asset-peer median of 1.22%. The leverage ratio was 13.48%.
- Why is Efficiency Ratio below asset peers?
- Why is Total Assets below asset peers?
- Why is Return on Assets above asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$325M
+0.2%y/y
Percentile by value24th percentileby value
FDIC
DEP$280M
+8.1%y/y
Percentile by value34th percentileby value
FDIC
LNLSNET1.82%
+39 bpsy/y
Peer standing82nd percentile
FDIC
NETINC + ROA42.06%
−287 bpsy/y
Peer standing93rd percentile
FDIC
NONIX + NIM + NONII + EEFFR13.48%
−8 bpsy/y
Peer standing83rd percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,446 banks from $300 million to $1 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $370M | $322M |
| Q3 2021 | $370M | $322M |
| Q4 2021 | $388M | $340M |
| Q1 2022 | $397M | $348M |
| Q2 2022 | $383M | $334M |
| Q3 2022 | $388M | $344M |
| Q4 2022 | $337M | $292M |
| Q1 2023 | $339M | $293M |
| Q2 2023 | $334M | $287M |
| Q3 2023 | $350M | $303M |
| Q4 2023 | $335M | $288M |
| Q1 2024 | $352M | $304M |
| Q2 2024 | $342M | $293M |
| Q3 2024 | $344M | $297M |
| Q4 2024 | $353M | $304M |
| Q1 2025 | $375M | $324M |
| Q2 2025 | $371M | $320M |
| Q3 2025 | $378M | $326M |
| Q4 2025 | $378M | $327M |
| Q1 2026 | $377M | $325M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $10.9M |
| Investor CRE | $24.2M |
| Multifamily | $6.87M |
| Construction | $42.4M |
| 1–4 family | $172M |
| C&I | $18.5M |
| Agriculture | $752K |
| Other | $9.01M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.82%82nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE13.70%61st percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY3.31%22nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR42.06%93rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP+0.23%23rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET+8.06%63rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.58%42nd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ13.48%83rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.75%33rd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC137%40th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.82%90th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.32%Median 1.11%90th 1.83%Observations 329
ROE
FDIC
NETINC + ROE13.70%71st percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.20%Median 10.57%90th 18.47%Observations 329
NIM
FDIC
NIM + NIMY3.31%33rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.86%Median 3.62%90th 4.45%Observations 330
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR42.06%94th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.13%Median 63.88%90th 87.24%Observations 329
Deposits YoY
FDIC
DEP+0.23%31st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.61%Median +3.07%90th +13.90%Observations 328
Loans YoY
FDIC
LNLSNET+8.06%69th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −5.76%Median +4.48%90th +16.94%Observations 326
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.58%50th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.57%90th 2.85%Observations 326
Leverage
FDIC
RBC1AAJ13.48%79th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.64%Median 10.84%90th 15.77%Observations 330
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.75%21st percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.28%Median 2.17%90th 3.18%Observations 326
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC137%53rd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 20%Median 126%90th 292%Observations 208
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.82%89th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.35%Median 1.09%90th 1.84%Observations 104
ROE
FDIC
NETINC + ROE13.70%67th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.58%Median 11.29%90th 20.07%Observations 104
NIM
FDIC
NIM + NIMY3.31%35th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.75%Median 3.53%90th 4.34%Observations 104
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR42.06%95th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.69%Median 63.67%90th 81.23%Observations 104
Deposits YoY
FDIC
DEP+0.23%32nd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.87%Median +2.76%90th +9.10%Observations 104
Loans YoY
FDIC
LNLSNET+8.06%73rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.52%Median +4.75%90th +14.12%Observations 104
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.58%51st percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.04%Median 0.58%90th 2.60%Observations 104
Leverage
FDIC
RBC1AAJ13.48%81st percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.66%Median 10.41%90th 14.86%Observations 104
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.75%22nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.64%Median 2.25%90th 3.13%Observations 104
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC137%48th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 43%Median 145%90th 350%Observations 65
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 2 branches
- Headquarters
- O'Fallon, IL
FDIC
OFFDOMOpen the Illinois dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data