FDIC Cert #18171 · O'Fallon, Illinois · Est. 1960

Bank of O'Fallon - FDIC Bank Health Profile

A community-scale look at Bank of O'Fallon's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$378M
Total assets
A
Health grade · Excellent
1.26%
Return on assets
22.1%
Tier 1 capital

Data updated July 2026

The verdict

Bank of O'Fallon earns a PlainBankData health grade of A (92/100), with well-capitalized at 22.08% Tier 1, profitable at 1.26% ROA, efficient (57% cost ratio).

#2,159
largest of 4,313 FDIC banks by assets
50th
percentile by asset size, nationally
22.08%
Tier 1 ratio - above the 10% well-capitalized line
61st
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 18171 · IL A · 92/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (92/100)
  • UPPER-Q #636/4307
  • PHOTO-FINISH First Bank Kansas · KS
  • TIER1-WELL 22.1% Tier 1
  • TEXAS-CLEAN 2.5% Texas
  • ROA-STRONG 1.26% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: First Bank Kansas, KS (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Bank of O'Fallon

Lowest and highest poles plus nearest scored peers outside Illinois, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Andes State Bank · SD · near92/100Bank of O'Fallon · IL · this…92/100First Bank Kansas · KS · near92/100Maquoketa State Bank · IA · …92/100Texas Bank and Trust… · TX ·…92/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bank of O'Fallon · July 2026

Call Report read for Bank of O'Fallon in a high-failure state

Bank of O'Fallon (FDIC Cert #18171) carries a PlainBankData health grade of A at 92/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #636 of 4,307. Tier 1 capital prints at 22.08%, clearing the 10% well-capitalized line. The Texas Ratio is 2.45%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.26%. Balance-sheet scale is $378M, 2,159th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First Bank Kansas (KS), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Bank of O'Fallon

71 FAILURE resolutions in Illinois since 2000, heavy vs the state corpus

Bank of O'Fallon sits in one of the heavier post-2000 FAILURE states (71 resolutions; latest year 2026). The list below is state history from the Failed Bank List, not a claim about Bank of O'Fallon's current Call Report.

  • METROPOLITAN CAPITAL B&T CHICAGO, IL 2026 → FIRST INDEPENDENCE BANK
  • PULASKI SAVINGS BANK CHICAGO, IL 2025 → MILLENNIUM BANK
  • FAYETTE COUNTY BANK SAINT ELMO, IL 2017 → UNITED FIDELITY BANK, FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Illinois banks.

How Bank of O'Fallon's 92/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10092/100
Bank of O'Fallon's composite health score
Tier 1 Capital Ratio (22.08%) 40/40
Return on Assets (ROA) (1.26%) 20/25
Texas Ratio (2.45%) 20/20
Efficiency Ratio (56.53%) 12/15

92 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$378M

Total balance-sheet footings

Total Deposits

$327M

Customer-funded liabilities

Net Loans

$277M

Outstanding loan book

Net Income

$5M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 20.68% 22.08% 23.48%
Basel III capital ratios - Bank of O'Fallon

Where Bank of O'Fallon ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of O'Fallon's score of 92/100 falls in the highlighted band.

Bank of O'Fallon: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

92 Top 15% higher than 85% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Bank of O'Fallon 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Bank of O'Fallon's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of O'Fallon's $378M falls in the highlighted band.

Capital & credit buffers at Bank of O'Fallon

Tier 1 capital ratio
Well-capitalized 10%

22.08% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
22.08%
Texas Ratio
2.45%
Equity Capital
$50M

What these ratios mean →

Earnings posture at Bank of O'Fallon

Return on Assets (ROA)
61st percentile nationally
1.26%
Return on Equity (ROE)
9.44%
Efficiency Ratio
56.53%

What these mean →

Income & expense at Bank of O'Fallon

$19M
Interest Income
$262K
Non-Interest Income
$7M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of O'Fallon reports a Texas Ratio of 2.45% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.45% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Bank of O'Fallon on FDIC BankFind →

Top banks in Illinois by total assets

Largest banks headquartered in Illinois
  1. 1
    BMO Bank $252.1B

    Chicago, IL · Grade A

  2. 2
    The Northern Trust Company $176.4B

    Chicago, IL · Grade B

  3. 3
    CIBC Bank USA $64.0B

    Chicago, IL · Grade A

  4. 4
    Busey Bank $18.1B

    Champaign, IL · Grade A

  5. 5
    Byline Bank $9.6B

    Chicago, IL · Grade A

Top 5 banks in Illinois ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($378M here), outside Illinois so the neighborhood is not state containment.

First State Bank $378M · IA American Continental Bank $378M · CA Ascendia Bank $378M · NJ Earlham Savings Bank $378M · IA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of O'Fallon (FDIC Cert #18171) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Bank of O'Fallon Call Report profile · FDIC Failed Bank List · Illinois FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Illinois

All Illinois banks →
BankAssetsGradeROA
BMO Bank National AssociationChicago $252.1B A 0.95%
The Northern Trust CompanyChicago $176.4B B 1.02%
CIBC Bank USAChicago $64.0B A 1.47%
Busey BankChampaign $18.1B A 0.92%
Byline BankChicago $9.6B A 1.47%
Wintrust Bank, National AssociationChicago $9.6B A 1.88%
Lake Forest Bank & Trust Company, National AssociationLake Forest $9.4B A 2.20%
First American BankElk Grove Village $8.1B A 1.72%