🏦Bank Scorer

BANK OF O'FALLON

O'FALLON, IL · Supervised by FDIC

Est. 1960FDIC #18,171RSSD: FDIC-18171
Part ofSECURITY FIRST BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: March 2026

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.82%

Institution Profile

FDIC BankFind

Address

901 S Lincoln Ave, O'FALLON, IL

County

St. Clair County

Established

March 28, 1960

Total Assets

$377M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 1, 2026

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Mar 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$377M

Total Deposits

$325M

Net Loans

$280M

Net Income

$2M

ROA

1.82%

ROE

13.70%

Risk-Based Capital

23.06%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate1.55%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$320M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202412990.7%1.55%
202311297.32%0.00%
202215092.67%0.00%
202119095.26%1.05%
202019893.94%1.01%
201914095%2.14%
201813594.81%0.74%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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