OSB Community Bank
Ottawa, IL
IDRSSD: 725077
Total Assets
$354.21M
Latest filing
Total Deposits
$294.52M
Latest filing
Net Interest Margin
3.20%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
OSB Community Bank
925 La Salle St
Ottawa, IL 61350
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1871FDIC Certificate 40823
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| OSB Community Bank (Main) | 925 La Salle St | Ottawa, IL |
| OSB COMMUNITY BANK BRANCH | 125 W Bluff St | Marseilles, IL |
| OSB COMMUNITY BANK BRANCH | 1508 Creek Dr | Morris, IL |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1871 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 61350 |
| State and County Number | 17099 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Ottawa, IL |
Operational Info
| Number of Employees | 43 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.myosb.bank |
| Data Updated | 11/14/2025 |
| CERT | 27989 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $354.21M |
| Total Deposits | $294.52M |
| Total Liabilities | $314.34M |
| Total Equity Capital | $39.87M |
| Net Income | $538.00k |
| Net Loans and Leases | $298.74M |
| Assets Per Employee ($Millions) | $8.24M |
| Bank Premises and Fixed Assets | $5.89M |
| Cash and Balances due from Depository Institutions | $12.81M |
| Deposits Held in Domestic Offices | $294.52M |
Key Performance Ratios
| Return on Assets (ROA) | 0.61% |
| Return on Equity (ROE) | 5.42% |
| Net Interest Margin | 3.2% |
| Efficiency Ratio | 74.61% |
| Tier 1 Risk-Based Capital Ratio | 15.522% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.03% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.257% |
| Earning Assets to total Assets | 94.74% |
Income and Expense
| Total Interest Income | $4.44M |
| Total Noninterest Income | $234.00k |
| Total Interest Expense | $1.78M |
| Total Noninterest Expense | $2.16M |
| Net Interest Income | $2.66M |
| Pre-tax Net Operating Income | $757.00k |
| Provision for Credit Losses | $-23,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $15.39M |
| Federal Funds Sold & Reverse Repurchase Agreement | $8.03M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.43M |
| Total Liabilities and Capital | $354.21M |
Securities
| Securities | $17.46M |
| Available-for-sale debt securities | $17.46M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of OSB Community Bank?
$354.21M as of the latest filing.
How much are OSB Community Bank's total deposits?
$294.52M in total deposits.
Where is OSB Community Bank located?
Ottawa, IL.
What is the Net Interest Margin?
3.20%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1871.
What is the Return on Assets (ROA)?
0.61%.
How much are total loans and leases?
$298.74M (latest filing).
What is the total interest income (latest filing)?
$4.44M.