OSB Community Bank: how it compares with its peers
Against 139 IL banks with half to twice its assets, OSB Community Bank's strongest measure in Q2 2026 is assets per employee ($7.9M vs. a $6.8M peer median). Its weakest relative measure is net interest margin (3.38% vs. 3.70%).
| Measure | OSB Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.95% | 1.14% | Middle third Ahead of 37% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.38% | 3.70% | Bottom third Ahead of 31% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 67.57% | 64.10% | Middle third Ahead of 37% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.9M | $6.8M | Top third Ahead of 70% of peers |
| Loans to deposits Net loans and leases over total deposits. | 104.12% | 75.34% | Context |
What it means for lending operations
Its efficiency ratio of 67.57% is above the 64.10% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- State Street Bank and Trust Company Quincy, IL · $357M
- Teutopolis State Bank Teutopolis, IL · $359M
- The Bank of Herrin Herrin, IL · $349M
- Citizens National Bank of Albion Albion, IL · $349M
- Shelby County State Bank Shelbyville, IL · $363M
- Buena Vista National Bank Chester, IL · $344M
Questions about OSB Community Bank
How big is OSB Community Bank?
OSB Community Bank, established in 1871, is headquartered in Ottawa, IL. It reported $356M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is OSB Community Bank's return on assets?
0.95% annualized in Q2 2026, against a 1.14% median for 139 IL banks with half to twice its assets, ahead of 37% of them.
What is OSB Community Bank's efficiency ratio?
67.57% in Q2 2026: it spent about 68 cents in noninterest expense for each dollar of revenue. The peer median is 64.10%, and lower is better.
Is OSB Community Bank growing its loans?
Net loans grew 1.1% over the year to Q2 2026, while deposits grew 4.6%.
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.