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OSB Community Bank

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OSB Community Bank Rates & Review May 2026

Q: How many branches does OSB Community Bank operate?

OSB Community Bank currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, OSB Community Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, OSB Community Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 8, 2026

You can compare OSB Community Bank rates to other rates in our database, including 12-month CD rates currently at 3.80%, 6-month CD rates at 0.10% and 3-month CD rates at 3.80%. Savings rates are at 0.05% and money market rates are at 0.03%. Mortgage rates on 30-year fixed loans are around 6.03%. All these rates can be compared to OSB Community Bank rates. MonitorBankRates evaluates the financial stability of OSB Community Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.81%. Rates were last updated on 05/08/2026.

OSB Community Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at OSB Community Bank? Share your experience about OSB Community Bank by leaving a review below, or read customer reviews before you decide to use OSB Community Bank.

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

11.81%

Excellent Higher than avg

OSB Community Bank

925 La Salle St
Ottawa, IL 61350

https://www.myosb.bank

Current Rate Availability

We do not have OSB Community Bank rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for OSB Community Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather OSB Community Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with OSB Community Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name OSB Community Bank

Bank Holding Company OTTAWA BCORP INC

Address 925 La Salle St, Ottawa, IL 61350 · Lasalle

Website https://www.myosb.bank

FDIC Certificate # 27989

Established 01/01/1871

FDIC Insurance Date 08/09/1989

Domestic Offices 3

Total Branches 3

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 94/100

5.0

Exceptional Out of 5.0 Stars

11.81%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.6003%

Return on Equity (ROE) 5.2300%

Non-Performing Loans (NPL) 1.35%

Total Assets $362,554,000

Total Deposits $300,947,000

Equity Capital $40,182,000

Net Income $2,118,000

Headquarters Ottawa

Total Offices 3

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

There are no reviews for OSB Community Bank yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for OSB Community Bank

Frequently Asked Questions About OSB Community Bank

Is OSB Community Bank a safe place to deposit money?

Yes, OSB Community Bank is considered a safe financial institution. With a Texas Ratio of 11.811271424421%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does OSB Community Bank operate?

OSB Community Bank currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, OSB Community Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, OSB Community Bank provides members with tools to manage their accounts and build a solid financial history.

Does OSB Community Bank offer online and mobile banking?

Most modern institutions like OSB Community Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.myosb.bank.