Is Bank of O Fallon Safe?
Bank of O Fallon has a Bank Health Score of 86/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while liquidity is its weakest area (61/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 22.52% | 100/100 |
| Nonperforming Loan Ratio | 0.69% | 86/100 |
| Liquidity Ratio | 20.26% | 61/100 |
| Return on Assets | 1.92% | 97/100 |
| Total Assets | $0.3B | |
How does Bank of O Fallon compare?
With a Bank Health Score of 86/100, Bank of O Fallon sits 16.0 points above the national average of 70/100 for FDIC-insured banks. Within Illinois, where 333 FDIC-insured banks are headquartered, Bank of O Fallon ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 22.52% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.69% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Bank of O Fallon's Bank Health Score fell by 5.0 points to 86/100. Tier 1 capital was essentially flat at 22.52%. Quarter-over-quarter, the score rose by 1.0 points.
Bank of O Fallon has a Bank Health Score of 86/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while liquidity is its weakest area (61/100).