# OSB COMMUNITY BANK
OTTAWA, IL · FDIC certificate 27989 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $355.6M | |
| Deposits | $293.5M | |
| Loans and leases | $309.6M | |
| Total equity | $40.7M | |
| Loans / deposits | 104.12% (p93 of band) | 82.04% |
| Liquid assets / assets | 9.71% (p3 of band) | |
| Uninsured deposits / deposits | 27.57% (p57 of band) | 25.97% |
| Brokered deposits | 12.45% | |
| Wholesale funding | 16.96% (p90 of band) | |
| FHLB advances / assets | 4.46% | |
| Tier 1 leverage | 11.64% (p64 of band) | 10.81% |
| Unrealized securities loss / equity | -5.29% (p61 of band) | -8.10% |
| AOCI / equity | -0.50% (p42 of band) | |
| ROA (annualized) | 0.95% (p29 of band) | 1.28% |
| Net interest margin | 3.38% (p23 of band) | 3.91% |
| Efficiency ratio | 67.57% (p68 of band) | |
| Noncurrent loans | 0.36% (p46 of band) | 0.43% |
| Net charge-offs (annualized) | 0.03% (p68 of band) | |
| Reserve coverage of noncurrent | 361.34% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 61.84% (p66 of band) | |
| Auto loans | $1.1M (0.37% of loans; DQ 0.35%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.5% | |
| Employees | 45 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | charge-offs p90 |  |
| 2011-09 | 3 | losing money |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 2 | noncurrent p90 | charge-offs p90, losing money |
| 2012-06 | 4 | charge-offs p90, uninsured deposits leaving |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 3 |  | noncurrent p90 |
| 2013-03 | 2 |  | charge-offs p90 |
| 2013-06 | 4 | noncurrent p90, deposits shrinking |  |
| 2013-09 | 5 | charge-offs p90, assets shrinking | uninsured deposits leaving |
| 2013-12 | 4 |  | assets shrinking |
| 2014-03 | 6 | assets shrinking, uninsured deposits leaving |  |
| 2014-06 | 5 |  | uninsured deposits leaving |
| 2014-09 | 5 |  |  |
| 2014-12 | 3 |  | deposits shrinking, assets shrinking |
| 2015-03 | 2 |  | charge-offs p90 |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 3 | charge-offs p90 |  |
| 2016-06 | 2 | uninsured deposits leaving | noncurrent p90, charge-offs p90 |
| 2016-09 | 1 |  | uninsured deposits leaving |
| 2016-12 | 2 | noncurrent p90 |  |
| 2017-03 | 2 | charge-offs p90 | noncurrent p90 |
| 2017-06 | 1 |  | charge-offs p90 |
| 2017-09 | 5 | loans exceed deposits, capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2017-12 | 2 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | charge-offs p90 |  |
| 2018-09 | 1 |  | capital falling, charge-offs p90 |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | charge-offs p90 |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | charge-offs p90 |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | liquid assets <10% |  |
| 2021-09 | 1 | capital falling | loans exceed deposits, liquid assets <10% |
| 2021-12 | 2 | loans exceed deposits |  |
| 2022-03 | 2 | charge-offs p90 | loans exceed deposits |
| 2022-06 | 2 | loans exceed deposits | charge-offs p90 |
| 2022-09 | 2 |  |  |
| 2022-12 | 4 | liquid assets <10%, charge-offs p90 |  |
| 2023-03 | 5 | wholesale funding >15%, construction >100% equity | charge-offs p90 |
| 2023-06 | 6 | noncurrent p90, reserve under noncurrent | construction >100% equity |
| 2023-09 | 5 |  | capital falling |
| 2023-12 | 5 |  |  |
| 2024-03 | 5 |  |  |
| 2024-06 | 5 |  |  |
| 2024-09 | 4 |  | noncurrent p90 |
| 2024-12 | 4 |  |  |
| 2025-03 | 2 |  | liquid assets <10%, wholesale funding >15% |
| 2025-06 | 2 | liquid assets <10% | reserve under noncurrent |
| 2025-09 | 1 |  | liquid assets <10% |
| 2025-12 | 4 | brokered >10%, wholesale funding >15%, capital falling |  |
| 2026-03 | 3 |  | capital falling |
| 2026-06 | 4 | liquid assets <10% |  |

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

- 2026-08-20 [Pontiac Bancorp, Inc. has agreed to acquire Ottawa Bancorp, Inc. - GlobeNewswire](https://news.google.com/rss/articles/CBMizAFBVV95cUxQbFR5RnNYLVlHQ2pkd09lQzcyQm9jS28wTU5IMWpHNUctd2g0cUFfQzBncjFUZlR2em4wbFRqSmZubnNkTFdwVldMcERmZW52bDh6MGlNcGVqMF9hMERUdERnZzJoT2p2alVyVEN3OEstaEpZTFVLcVE0Q2hNM1VvUUhqSWtQRk14cko5Umk2U2NRYkpzalBtQm9xLXd2WHd6YXB3RGt2dEMwS2U4QkZBVGUxOXg1aGRmcU4xWWVzd0F3N1NJOU16YUNVWW0?oc=5) · GlobeNewswire
- 2021-05-19 [Equity Bank to Merge with American State Bank & Trust in $74.6M Deal - Banking Exchange](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQUzVKZDZzeXZxbEpudmE1ZXRoSUZER1ltR0RjOTE0TDNhbnU0d3JGYkNkTXo1aDJ3c0Y0bF94YnRwODJiRkR5XzdIbVRZNGVOV18tb2xoNjEtYlV4dXFXOVFUbHZKNmdGS2RZWi1jdHJlNmp3ZGF6bmJBZFpkbkJFZ3lsamIxMkhLV3hETEU1VWFETEtlYUthRklJQUxfZHB6X3ZfdkpLaVU0YkZ5YXNkVHp5SEYxVUtT?oc=5) · Banking Exchange
- 2026-05-31 [Grundy County property taxes: payment options and deadlines - Shaw Local](https://news.google.com/rss/articles/CBMitgFBVV95cUxPVmtKQ2wzcDhxWnZjemxOaU5RTERneHNXZS1BLVJ3LTMxZ1lPUEExQjRDa2UwUkxkSng5RE1sRThVWU90N1BLTEJBalpSTzkwQkJuaktsa3RhNE5TZVcyVUlyMjNqTlBQRFp3bElydTA5b3RBOWlGZE5kTnd0Q0MwS3NVUXNBYmxLMG5VOXpFbGllWTBmX0VnNnpXOVQ3S3QwV3E0MkU4Q3F1Z0pwZk5ZTHkzZkRnQQ?oc=5) · Shaw Local
- 2026-08-20 [OTTAWA BANCORP, INC. ANNOUNCES CASH DIVIDEND - The Manila Times](https://news.google.com/rss/articles/CBMitwFBVV95cUxOaWN5dXpmeUZRODc0UG0wcGVJa0ZSOTBjTHREX3ptYm5Ca2FoUm9RSHlocko0MzZ2MzlHNTR1d1RLdm9NZ2tIS0VKa09jS2JIdWNLajVJOTdTME9vVVpZZ0Y0QW9oMnozOEdwN1pMMW1Za1JTWGQzaDRPWGJHR2lLcHl0Qko0TkhEUjdHbmNTc3dzUjVjUl82dGdoTDJjWXBrRVBTZU82SEF5LVU5ejBWY3dEbGZ0Nm_SAbwBQVVfeXFMTXEwb29QRUQtYm93dU9xblVweEJwbHpWZjF3Z00wVEpQdkVwYUZqS3NHTXA3SnlTeVNCS0hqX1RVQmY2dFY5NUp4X0paV1BIdjhVRXo5RnRyWUFKLWU2amhibFpUTGxIM20wN3M0S1ZqM3YxRTkxMmlxd0xnZXdEZXpjcjNwNzNrSl9ZT2lKRUJ4OV9HZDFlb1hNTDlwYTBJSmZtZ1dPQXNuZFZ1QVpxdFZBNmhuNVZCcGJRY2U?oc=5) · The Manila Times
- 2008-05-22 [Bank acquisition proved to open door for some - lenconnect.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxNeV9GRjREaEVLZmJDQVV3NmRiQ3dILXg5RFc4blQtYmt0RW5TdEg5cm9HRzI3TFdSRmVDYzBzUzZOUklHelpjMlQtZ1JsTGdoNjJuaXNBODlfSjFwNnFoNjhUOE9pVmM1NnFnU2xqRVl2VFAxY0FMemxLYzdkQlFwVG93OHJScTk4UzNOVXNfN2tKUjgteDhHUA?oc=5) · lenconnect.com
- 2022-06-06 [Grundy County property tax bills mailed - Shaw Local](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOcndFYkgwYnJDb1BwN1VfbWFjbnZNd21RUVgzMFVjSHhnZldYcGpaWTJNbERtVERUa3FyMVFmVlllQ3cyblVIV3QtS05DeFlfVC1hejFUMk14LW9lT3NsQ002ZGNqcUREY2J6UkFYNHM3aUNuS1BfekYwY3BoUFZ0RFNaaU95bnNSMmRtUHh1UUJvMXg4dTEtVFhwWWhhanZCdVZCX2hPMURXeUU?oc=5) · Shaw Local

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27989 (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/21.json (key "27989", 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