OSB Community Bank

417 South Main Street
Brooklyn, MI 49230


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 1008
Date Established 1907
Assets $0.11 billion
Loans $0.08 billion
Deposits $0.09 billion
Capital $0.01 billion

OSB Community Bank is an FDIC insured institution located in Brooklyn, MI. It was founded in 1907 and has approximately $0.11 billion in assets. Customers can open an account at one of its 3 branches.

For a more detailed analysis of OSB Community Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - August 21, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $1,000 $4,999 Learn MoreShow Less
Money Market
0.15% $5,000 - Learn MoreShow Less
Premium Money Market Account
0.10% $10,000 $49,999 Learn MoreShow Less
6 Mo CD
0.30% $1,000 - Learn MoreShow Less
12 Mo CD
0.75% $1,000 - Learn MoreShow Less
Special: 15 Mo CD
2.42% $1,000 - Learn MoreShow Less
18 Mo CD
0.70% $1,000 - Learn MoreShow Less
24 Mo CD
1.00% $1,000 - Learn MoreShow Less
30 Mo CD
0.80% $1,000 - Learn MoreShow Less
36 Mo CD
1.21% $1,000 - Learn MoreShow Less
48 Mo CD
1.41% $1,000 - Learn MoreShow Less
60 Mo CD
1.77% $1,000 - Learn MoreShow Less

Fixed IRA
0.75% $1,000 - Learn MoreShow Less
Special: 15 Mo FIRA
2.42% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.30% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $500 $2,500 Learn MoreShow Less
Int Ckg
0.10% $2,501 $7,500 Learn MoreShow Less

Loan Rates - August 21, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for OSB Community Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 520-CL-25944
3.518% 3.500% 0.25 $545 $1,123 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to OSB Community Bank
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OSB Community Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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OSB Community Bank Locations

Financial Details

OSB Community Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of OSB Community Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
OSB Community Bank U.S. Bank Average
11.48% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2019, OSB Community Bank had $1,211,000 in non-current loans and $27,000 in owned real estate. To cover these potential losses it had $9,897,000 in equity and $889,000 in loans loss reserves. That gives it a Texas Ratio of 11.48%.

Return on Equity
OSB Community Bank U.S. Bank Average
1.46% 9.47%

OSB Community Bank has a Return on Equity of 1.46% versus the BestCashCow average of 9.47%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

OSB Community Bank U.S. Bank Average
9.27% 12.49%

OSB Community Bank has a Capitalization of 9.27% versus the BestCashCow average of 12.49. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

OSB Community Bank Balance Sheet Analysis

As of March 31, 2019, OSB Community Bank had assets of $106,815,000, loans of $76,826,000, and deposits of $88,695,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2019
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.08 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.10 billion
Total deposits $0.09 billion
      Interest-bearing deposits $0.07 billion
      Deposits held in domestic offices $0.09 billion
      % insured (estimated) 96.25%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.10 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

March 31, 2019
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in OSB Community Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Construction and Development Loans.

Compared to other banks in Michigan, OSB Community Bank has a significantly higher percent of Credit Card Loans, Construction and Development Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 24.71
Credit Card Loans 0.13
Consumer Auto Loans 0.01
Small Business Loans 0.00
Construction and Development Loans 11.18
Commercial Real Estate 50.53
Commercial and Industrial Loans 10.99
Farm Loans 0.07

Frequently Asked Questions About Osb Community Bank

Branches and Savings

Is Osb Community Bank FDIC insured?

Yes. It is covered under FDIC Certificate #1008.

Why does Osb Community Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Osb Community Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Osb Community Bank a commercial bank?


Where are Osb Community Bank locations?

See branch locations nearby.

Is Osb Community Bank open on Saturdays?

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Are Osb Community Bank ATMs Open 24/7?

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Will Osb Community Bank notarize my document?

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Will the Osb Community Bank branch print checks?

Do Osb Community Bank checks expire?

Does Osb Community Bank require US citizenship to open account?

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What is Osb Community Bank's ACH Routing Number?

What is Osb Community Bank's SWIFT code?


Does Osb Community Bank offer mortgages?

Compare mortgage rates here.

Does Osb Community Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Osb Community Bank offer personal loans?

Compare personal loan rates here.

Does Osb Community Bank offer student loans?

Will Osb Community Bank cash a check?

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Background on The Bank

Who owns Osb Community Bank?

How long has Osb Community Bank been around?

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Will Osb Community Bank accept loose change?

Where is Osb Community Bank headquarters?

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