FDIC Cert #3827 · Okawville, Illinois · Est. 1910

The Old Exchange National Bank of Okawville - FDIC Bank Health Profile

A community-scale look at The Old Exchange National Bank of Okawville's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$96M
Total assets
A
Health grade · Excellent
0.90%
Return on assets
20.5%
Tier 1 capital

Data updated July 2026

The verdict

The Old Exchange National Bank of Okawville earns a PlainBankData health grade of A (82/100), with well-capitalized at 20.51% Tier 1, 0.90% ROA, 61% efficiency ratio.

#3,765
largest of 4,313 FDIC banks by assets
13th
percentile by asset size, nationally
20.51%
Tier 1 ratio - above the 10% well-capitalized line
36th
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 3827 · IL A · 82/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-A A (82/100)
  • MID-PACK #1827/4307
  • PHOTO-FINISH American Heritage Bank · OK
  • TIER1-WELL 20.5% Tier 1
  • TEXAS-CLEAN 1.2% Texas
  • ROA-PAR 0.90% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: American Heritage Bank, OK (±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 The Old Exchange National Bank of Oka…

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

Morgan Stanley Bank,… · UT ·…100/100American Heritage Bank · OK …82/100The Citizens Nationa… · TX ·…82/100The First National B… · IA ·…82/100The Old Exchange Nat… · IL ·…82/100TPNB Bank · MO · near82/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Old Exchange National Bank of Oka… · July 2026

Call Report read for The Old Exchange National Bank of Oka… in a high-failure state

The Old Exchange National Bank of Okawville (FDIC Cert #3827) carries a PlainBankData health grade of A at 82/100, 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 #1,827 of 4,307. Tier 1 capital prints at 20.51%, clearing the 10% well-capitalized line. The Texas Ratio is 1.23%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.90%. Balance-sheet scale is $96M, 3,765th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is American Heritage Bank (OK), 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 The Old Exchange National Bank of Oka…

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

The Old Exchange National Bank of Okawville 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 The Old Exchange National Bank of Okawville'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 The Old Exchange National Bank of Okawville's 82/100 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 avg77/10082/100
The Old Exchange National Bank of Okawville's composite health score
Tier 1 Capital Ratio (20.51%) 40/40
Return on Assets (ROA) (0.90%) 14/25
Texas Ratio (1.23%) 20/20
Efficiency Ratio (61.24%) 8/15

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

Balance sheet at a glance

Total Assets

$96M

Total balance-sheet footings

Total Deposits

$85M

Customer-funded liabilities

Net Loans

$40M

Outstanding loan book

Net Income

$789K

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.) 19.11% 20.51% 21.91%
Basel III capital ratios - The Old Exchange National Bank of Okawville

Where The Old Exchange National Bank of Okawville ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Old Exchange National Bank of Okawville's score of 82/100 falls in the highlighted band.

The Old Exchange National Bank of Okawville: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

82 Top 42% higher than 58% 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%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. The Old Exchange National Bank of Oka… 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

The Old Exchange National Bank of Okawville'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). The Old Exchange National Bank of Okawville's $96M falls in the highlighted band.

Capital & credit buffers at The Old Exchange National Bank of Oka…

Tier 1 capital ratio
Well-capitalized 10%

20.51% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
20.51%
Texas Ratio
1.23%
Equity Capital
$8M

What these ratios mean →

Profitability metrics: The Old Exchange National Bank of Oka…

Return on Assets (ROA)
36th percentile nationally
0.90%
Return on Equity (ROE)
12.09%
Efficiency Ratio
61.24%

What these mean →

Income & expense at The Old Exchange National Bank of Oka…

$4M
Interest Income
$35K
Non-Interest Income
$1M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The Old Exchange National Bank of Okawville reports a Texas Ratio of 1.23% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.23% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The Old Exchange National Bank of Okawville 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 ($96M here), outside Illinois so the neighborhood is not state containment.

The First National Bank of Hebbronvil… $97M · TX Citizens Bank of Cumberland County, I… $96M · KY Portage Bank $97M · WA Mayville State Bank $97M · MI

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Old Exchange National Bank of Okawville (FDIC Cert #3827) - 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.

The Old Exchange National Bank of Okawville 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%