# BANK OF O FALLON
O'FALLON, IL · FDIC certificate 18171 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $377.5M | |
| Deposits | $324.1M | |
| Loans and leases | $283.6M | |
| Total equity | $51.9M | |
| Loans / deposits | 86.08% (p61 of band) | 82.04% |
| Liquid assets / assets | 23.64% (p46 of band) | |
| Uninsured deposits / deposits | 32.35% (p73 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.82% (p84 of band) | 10.81% |
| Unrealized securities loss / equity | -0.12% (p95 of band) | -8.10% |
| AOCI / equity | 0.00% (p77 of band) | |
| ROA (annualized) | 1.78% (p79 of band) | 1.28% |
| Net interest margin | 3.30% (p20 of band) | 3.91% |
| Efficiency ratio | 44.11% (p9 of band) | |
| Noncurrent loans | 0.69% (p63 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p58 of band) | |
| Reserve coverage of noncurrent | 233.93% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 78.18% (p77 of band) | |
| Auto loans | $4.5M (1.59% of loans; DQ 4.65%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.4% | |
| Employees | 34 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 | capital falling | reserve under noncurrent |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 2 | deposits shrinking, assets shrinking |  |
| 2015-12 | 0 |  | deposits shrinking, assets shrinking |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 2 | capital falling, reserve under noncurrent |  |
| 2016-12 | 0 |  | capital falling, reserve under noncurrent |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | charge-offs p90 |  |
| 2017-09 | 2 | capital falling |  |
| 2017-12 | 1 |  | charge-offs p90 |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2019-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | uninsured deposits leaving |  |
| 2020-06 | 0 |  | uninsured deposits leaving |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 2 | NIM <2.5%, charge-offs p90 |  |
| 2021-09 | 2 | capital falling | charge-offs p90 |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 1 |  | capital falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | NIM <2.5% |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 2 | capital falling, charge-offs p90 |  |
| 2024-12 | 1 |  | capital falling |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 | capital falling | charge-offs p90 |
| 2025-09 | 0 |  | capital falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-09-18 [Former Bank of O’Fallon leader gets prison sentence in fraud case - Belleville News-Democrat](https://news.google.com/rss/articles/CBMiakFVX3lxTFBjNlhUMUVwdUg0TVFyODVJbWphTnFhRmZsbVd2SmhIUnJOdVpsTkU0YUZ4a0xEQ0pkc3NocFh0RG1IY1Y1dlpTeC1wQzYxdVBxbWxwWXJXdWlFYy1MTHBBUWQ4WWR5c3RoY0HSAWpBVV95cUxOWDFWWC1DSHFaOU5FWV9vZzA1UW5oUS1JUjZfMjZ3dVotWXR2UDVZaEJuTEJlODJiQlhzVzdJcWhpblF5Umt1akUxVFh0RW9IVmtWVk1DM0lPT2JnckFvQzFqNUxXLUF0MHBR?oc=5) · Belleville News-Democrat
- 2025-09-20 [Former O’Fallon bank executive sentenced in $2M check-kiting scheme - FOX 2](https://news.google.com/rss/articles/CBMiogFBVV95cUxQdHV3emRtcExKMnl5WUtvLTg2TENvUFNobWZVY20zNVVpbHhvenphRXRFQ3o1QzFlUFN0VGtyeEMxbWE0T1dIeFh4bHJpNzczRWNwdlhMemloUUVvZEtrUnVjbEV0VUNEQWZ4ekNKV3dFejQyMk9mSDFGYUJ3VGtCcmFBTE0zMUZoN2N4WkxSaDd6S2RYeHdrbnJReFhKRUdPbWfSAacBQVVfeXFMT19jT2w0SFcxWU1VVlRnUlFVTmYtY3FVWkcyM1AyQjdxQ3U2anJCYndqdEZ4bjFxRmYxdGtJZHJwamZ6MUh4U25lbnNVWFVORWpFSFIzX28xamprZzhZZ0hPc2l1YkdMZ0RQYmd6MW0zZDVmS2VNUEZLVDE4bGdGS2tlcGxJTWxDcUEwN0RRcUM1d05sWlNZdlUzTGJkSVhuR3dUWXQ4MWc?oc=5) · FOX 2
- 2025-09-18 [Former Illinois bank executive sentenced to prison for fraud scheme - KMOV](https://news.google.com/rss/articles/CBMiogFBVV95cUxNUk4ydmJralBVUk5DTTRQODdBWXEzUk82Um9PeEFvV2NMclJnZnJmT3ZjWk9VQUZpSVZsblJHRnA4SldLNkdWMmxzeTJya3pBU3E5OXgwMVdRNV9YMGdzRHJEbmFlLThtazJ5YTRqT2ZranhvVzFpRFpPTV96ZmxqcG45SXFEZW1LNzF3YXY2UlpQZVJJUGIxMWhfWkZ6OXhCeEE?oc=5) · KMOV
- 2025-09-19 [Former Bank Of O'Fallon Executive Sentenced To More Than Five Years In Prison - RiverBender.com](https://news.google.com/rss/articles/CBMixgFBVV95cUxOcUJUdi11MVNaajl1X2ZrZW41b00yZEZvempmRk05aVNmUGJMd2xad0I4bE5ERFNKOGFBOWVwOHJjM2VacG5DYzA3a1ZjZmcwMXZEdTNLTFZrWWRrcjcwZUNNYjBzX2kxODF3cU51X3pUUl9aZmlTY3FTamtpT3BJdjZKbVJPUTAxQm92bTJVOW13RkNFbWI1TTZncjc1SjRrMjd2VEZqbHk2LTVLVktiSThpNkQzY2dUWHZrWUlnQS1xNUZveXc?oc=5) · RiverBender.com
- 2025-09-18 [Former Metro East bank executive sentenced to prison for check kiting scheme - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPWk53QlJPLXdzRUdwWGdQdXJWXzB3U0lYYUtZbllELTdkRkZmRnhNd0NsUXBOVWozZGJjNEJYZDRpdkNTOUh0UVplMnVZWDZvdVo4RnQxdHZ4ZWo5bmFUaGVSX3pGOWctX3Y2V2pKYlN6bk9uYlROc0JhZ1lVN1hwTXFxR1QzRHdHdmR0cm1EMXFMT1VNcjBiUEl0QlpKSHB0WnJyVXBPeE8?oc=5) · The Business Journals
- 2025-04-30 [Police reports: Indicted banker tapped friends for big loans, paid waitress $200 a day 'allowance' - KSDK](https://news.google.com/rss/articles/CBMi5wFBVV95cUxOSUVuUmF1cjNtR0FTRzZMV3pVWTAyYlgwSlZ3a2FtR0ZndXl1dmNSTDNNRzlxNXdPTldGNVZmbWQ4R2UxMnJkX25YN1RRdEt3aFJyT1JTV2VUd1RLSGtiZllvWGVQY0g4N3h5SEZiSzQ0UGVibW1ZWERoWnh1cTJUZnV4THZpQUt5TE1FU2xjUTVDUmo4MFBvVkhkaklOMXN6MzlJUVl2QTR6dkZCMWlLQlhqbjhsbWdRV2padnZfZU15QWdDdmlzNHpVdXM1QmY5WW9XRjBHLVdHUkFzOVB6cmtmdVlLT0k?oc=5) · KSDK
- 2025-11-12 [Game 5 MVP OTHS's Dawson Algee Highlights - NFHS Network](https://news.google.com/rss/articles/CBMiYkFVX3lxTE0wNDVKSUdoR1VYTXlmOXBTZVBnMTVkUlZTb1BsYjNUazVsWWwzWE82UFFpOHlFVV8taVptdUFtQ1pXNU1SOTFrQUVYdHViT2tLZUhOVmNUd0EtcHFqS2tRSmdR?oc=5) · NFHS Network
- 2025-04-09 [Former Bank of O’Fallon executive indicted on federal fraud charges - Belleville News-Democrat](https://news.google.com/rss/articles/CBMiakFVX3lxTFByOTJvTzdQd0ZkdktNTy1RYkhoVWxaZmEwN1Z5S3dFZHNTVHNVMENEMGIzRjBuVW9IWTI2LVJYa1BkOV9Wd2RXR1lGNUd0bDdyZzRZOFJLbldIMmo0TkgwTGVqYkRRZjZ5NUHSAWpBVV95cUxNSzF6V3dlYzBwbUZzckFQSE4wY1ZXcVo5eUpWTDM3Rzd3c3RpeFVXUFRqWXFObE9wbVVJUXhHSC1kYWNKQjZvZDkwZWgxbTJmRU9QaF9nWG9BNWhDdHNaXzhYTG5WTkFiYmJ3?oc=5) · Belleville News-Democrat

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18171 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/59.json (key "18171", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide