Bank of O'Fallon: how it compares with its peers
Against 138 IL banks with half to twice its assets, Bank of O'Fallon's strongest measure in Q2 2026 is efficiency ratio (44.11% vs. a 62.79% peer median). Its weakest relative measure is net interest margin (3.30% vs. 3.70%).
| Measure | Bank of O'Fallon | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.78% | 1.16% | Top third Ahead of 83% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.30% | 3.70% | Bottom third Ahead of 27% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 44.11% | 62.79% | Top third Ahead of 92% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.1M | $7.0M | Top third Ahead of 91% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.08% | 75.85% | Context |
What it means for lending operations
Its efficiency ratio of 44.11% is better than the 62.79% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Peoples Bank of Kankakee County Bourbonnais, IL · $376M
- The Fisher National Bank Fisher, IL · $376M
- Municipal Trust and Savings Bank Bourbonnais, IL · $382M
- Byron Bank Byron, IL · $384M
- First National Bank & Trust Company Clinton, IL · $388M
- Shelby County State Bank Shelbyville, IL · $363M
Questions about Bank of O'Fallon
How big is Bank of O'Fallon?
Bank of O'Fallon, established in 1960, is headquartered in O'Fallon, IL. It reported $378M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Bank of O'Fallon's return on assets?
1.78% annualized in Q2 2026, against a 1.16% median for 138 IL banks with half to twice its assets, ahead of 83% of them.
What is Bank of O'Fallon's efficiency ratio?
44.11% in Q2 2026: it spent about 44 cents in noninterest expense for each dollar of revenue. The peer median is 62.79%, and lower is better.
Is Bank of O'Fallon growing its loans?
Net loans grew 5.8% over the year to Q2 2026, while deposits grew 1.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.