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First Federal Savings Bank
Ottawa, IL · FDIC Certificate #28924 · Chartered 01/0
Total assets
$421.91M
Total deposits
$325.18M
Total equity
$45.38M
Net loans
$297.87M
Branches (offices)
11
Net income (YTD)
$849.00K
Rank: #1,990 of 4,213 U.S. banks by assets · #116 of 322 in Illinois. Assets changed -1.1% and deposits -2.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.40% |
| Return on equity | 3.78% |
| Net interest margin (YTD) | 3.11% |
| Equity to assets | 10.76% |
| Tier 1 leverage ratio | 10.69% |
| Uninsured deposits (share of deposits) | 11.6% |
| Noncurrent loans (share of loans) | 1.32% |
| Net charge-offs (share of loans) | -0.06% |
| Loans to deposits | 91.6% |
| Real estate loans (share of loans) | 99.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $296.38M | 99.5% | |
| Commercial & industrial | $1.50M | 0.5% | |
| Consumer / individual | $3.89M | 1.3% | |
| Construction & development | $3.27M | 1.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $367.52M | $323.13M | -$57.00K | $40.83M |
| Jun 2023 | $392.63M | $316.43M | $325.00K | $39.52M |
| Jun 2024 | $397.99M | $309.59M | $44.00K | $41.22M |
| Jun 2025 | $426.59M | $331.80M | $335.00K | $43.33M |
| Jun 2026 | $421.91M | $325.18M | $849.00K | $45.38M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $325.18M | 11 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $325.18M.
Similar-sized banks
Cattle Bank And Trust ($421.93M) · The Bank Of Brodhead ($421.90M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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