| Metric | Bank of O'Fallon | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +4.4% | -2.7 pts |
| Deposit growth (YoY) | +1.4% | +4.0% | -2.6 pts |
| Loan growth (YoY) | +5.8% | +5.6% | +0.2 pts |
| ROA | 1.78% | 1.24% | +0.5 pts |
| ROE | 13.2% | 11.9% | +1.4 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $377.5M | $324.1M | $279.0M | $51.9M | $3.4M | 1.78% | 3.30% | 0.71% |
| Q1 2026 | $377.3M | $325.1M | $280.4M | $50.8M | $1.7M | 1.82% | 3.31% | 0.63% |
| Q4 2025 | $378.5M | $326.6M | $276.6M | $49.6M | $4.7M | 1.26% | 3.20% | 0.54% |
| Q3 2025 | $377.7M | $326.1M | $266.7M | $50.2M | $4.3M | 1.57% | 3.13% | 0.63% |
| Q2 2025 | $371.2M | $319.7M | $263.8M | $50.0M | $2.9M | 1.58% | 3.08% | 0.61% |
| Q1 2025 | $374.9M | $324.4M | $259.5M | $49.0M | $1.3M | 1.43% | 3.01% | 0.58% |
| Q4 2024 | $353.2M | $303.6M | $265.1M | $48.2M | $5.8M | 1.69% | 3.41% | 0.75% |
| Q3 2024 | $344.3M | $297.1M | $266.8M | $45.8M | $2.7M | 1.05% | 3.47% | 0.55% |
Loan mix (Q2 2026): real estate $256.7M · commercial $18.1M · consumer $8.9M · securities $21.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of O'Fallon | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.78% | 1.24% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 13.2% | 11.9% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.30% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.1% | 62.9% | 7th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of O'Fallon | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of O'Fallon | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of O'Fallon | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of O'Fallon | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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