OSB COMMUNITY BANK
OTTAWA, ILLINOIS · FDIC Cert #27989
Capital & Safety Analysis
According to FDIC financial data, OSB COMMUNITY BANK holds a Tier 1 capital ratio of 16.40%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning OSB COMMUNITY BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
OSB COMMUNITY BANK shows average financial health. While not alarming, its Health Score of 62/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
OSB COMMUNITY BANK has a Bank Health Score of C (62/100). It holds a Tier 1 capital ratio of 16.40%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
OSB COMMUNITY BANK holds $353M in total assets and $279M in total deposits. It is located in OTTAWA, ILLINOIS (FDIC Certificate #27989).
OSB COMMUNITY BANK has a Tier 1 capital ratio of 16.40%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 1.62%, and the return on assets is 0.19%.
Yes. OSB COMMUNITY BANK is FDIC-insured (Certificate #27989). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.