Bank · FDIC insured
OSB Community Bank
A $355.6M bank headquartered in Ottawa, IL, with 3 branches in Illinois. Best rates: CDs 3.75% and savings 0.07% APY.
OSB Community Bank Carrot Score
65
Carrot Score
Higher than 13% of U.S. banks and credit unions
#15 of 17 in Ottawa, IL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About OSB Community Bank
- Headquarters
- 925 La Salle St, Ottawa, IL 61350
- FDIC certificate
- 27989 ↗
Branches
3 branches in Illinois
Loading map…
Illinois
3 branches
Ottawa area · 2
- OSB Community BankMain office925 La Salle St, Ottawa, IL 61350Directions
- Osb Community Bank Branch125 W Bluff St, Marseilles, IL 61341Directions
Chicago area · 1
- Osb Community Bank Branch1508 Creek Dr, Morris, IL 60450Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.64% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.36% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.95% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $105 | $81 | — |
- CapitalLeverage ratio11.64%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.36%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.95%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$105Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of OSB Community Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.