Headquartered in O'Fallon, Illinois, Bank of O'Fallon is a state-chartered bank with $377.5M in total assets and $324.1M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1960.
Based on its Q2 2026 filing, Bank of O'Fallon scores 81/100, which we describe as strong. That is higher than 80% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 62nd. Its strongest component is earnings (91/100; 1.78%), and its lowest is funding & liquidity (55/100; 86% loans-to-deposits, 32% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (80 → 81).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 83 |
| Q3 2024 | 75 |
| Q4 2024 | 82 |
| Q1 2025 | 81 |
| Q2 2025 | 80 |
| Q3 2025 | 80 |
| Q4 2025 | 78 |
| Q1 2026 | 82 |
| Q2 2026 | 81 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.67% |
| Q3 2024 | 13.46% |
| Q4 2024 | 13.82% |
| Q1 2025 | 13.56% |
| Q2 2025 | 13.18% |
| Q3 2025 | 13.30% |
| Q4 2025 | 13.32% |
| Q1 2026 | 13.48% |
| Q2 2026 | 13.82% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.69% |
| Q3 2024 | 0.66% |
| Q4 2024 | 0.65% |
| Q1 2025 | 0.52% |
| Q2 2025 | 0.54% |
| Q3 2025 | 0.58% |
| Q4 2025 | 0.47% |
| Q1 2026 | 0.58% |
| Q2 2026 | 0.69% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.92% |
| Q3 2024 | 1.05% |
| Q4 2024 | 1.69% |
| Q1 2025 | 1.43% |
| Q2 2025 | 1.58% |
| Q3 2025 | 1.57% |
| Q4 2025 | 1.26% |
| Q1 2026 | 1.82% |
| Q2 2026 | 1.78% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 81 | $377.5M | 13.82% | 0.69% | 1.78% | 86.1% |
| Q1 2026 | 82 | $377.3M | 13.48% | 0.58% | 1.82% | 86.3% |
| Q4 2025 | 78 | $378.5M | 13.32% | 0.47% | 1.26% | 84.7% |
| Q3 2025 | 80 | $377.7M | 13.30% | 0.58% | 1.57% | 81.8% |
| Q2 2025 | 80 | $371.2M | 13.18% | 0.54% | 1.58% | 82.5% |
| Q1 2025 | 81 | $374.9M | 13.56% | 0.52% | 1.43% | 80.0% |
| Q4 2024 | 82 | $353.2M | 13.82% | 0.65% | 1.69% | 87.3% |
| Q3 2024 | 75 | $344.3M | 13.46% | 0.66% | 1.05% | 89.8% |
| Q2 2024 | 83 | $341.8M | 13.67% | 0.69% | 1.92% | 90.5% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Peoples Bank of Kankakee CountyBank Bourbonnais, IL | 66 out of 100, Moderate | $375.6M | 7.7% | 0.32% | vs |
| The Fisher National BankBank Fisher, IL | 59 out of 100, Moderate | $375.5M | 9.0% | 1.31% | vs |
| Municipal Trust and Savings BankBank Bourbonnais, IL | 95 out of 100, Very strong | $382.2M | 15.6% | 0.04% | vs |
| Byron BankBank Byron, IL | 69 out of 100, Moderate | $384.4M | 10.2% | 1.28% | vs |
| First National Bank & Trust CompanyBank Clinton, IL | 53 out of 100, Below average | $388.1M | 7.8% | 0.88% | vs |
| Shelby County State BankBank Shelbyville, IL | 76 out of 100, Strong | $363.2M | 10.4% | 0.31% | vs |
Deposit insurance
Is my money safe at Bank of O'Fallon?
Yes. Bank of O'Fallon is an FDIC-insured institution (FDIC certificate #18171). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 32.4% of deposits ($104.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.82%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 24.38% (benchmark: 10%).
2 locations
Branches
Bank of O'Fallon lists 1 office in 1 city. Most locations:
- O'Fallon, IL (1)
Identity & history
Profile
- Legal name
- Bank of O'Fallon
- Type
- State-chartered bank
- FDIC certificate #
- 18171
- RSSD ID
- 410748
- Primary regulator
- FDIC
- Holding company
- Security First Bancshares Inc
- Established
- March 28, 1960
- Headquarters
- 901 S Lincoln Ave, O'Fallon, IL 62269
- Website
- www.bankofallon.com
- Employees
- 34
Quick answers
Bank of O'Fallon: common questions
Is Bank of O'Fallon FDIC insured?
Yes. Bank of O'Fallon is an FDIC-insured institution (FDIC certificate #18171). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of O'Fallon's TellerScore?
81 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Bank of O'Fallon ever failed?
There is no failure record for FDIC certificate #18171 in the FDIC failed bank list.
How many branches does Bank of O'Fallon have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near O'Fallon
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Lindell Bank & Trust CompanyBank St. Louis, MO | 92 out of 100, Very strong | $915.2M | 18.0% | 0.58% | vs |
| Germantown Trust & Savings BankBank Breese, IL | 87 out of 100, Very strong | $523.6M | 11.6% | 0.13% | vs |
| Century Credit UnionCredit union Saint Louis, MO | 87 out of 100, Very strong | $182.0M | 17.6% | 0.37% | vs |
| Midwest Members Credit UnionCredit union Wood River, IL | 85 out of 100, Very strong | $226.6M | 13.6% | 0.44% | vs |
| Heartland Bank and Trust CompanyBank Bloomington, IL | 80 out of 100, Strong | $6.7B | 11.9% | 0.19% | vs |
| The Old Exchange National Bank of OkawvilleBank Okawville, IL | 80 out of 100, Strong | $91.3M | 11.1% | 0.19% | vs |