SERVBANK, NATIONAL ASSOCIATION

OSWEGO, IL | Medium | Est. Jan. 3, 1994, midnight | FDIC #55130 | RSSD #2140348 | OCC
Latest Report: 2025-12-31

SERVBANK, NATIONAL ASSOCIATION is amn medium FDIC-insured commercial bank headquartered in OSWEGO, IL, established in Jan. 3, 1994, midnight. As of 2025-12-31, the bank reported total assets of $995M and total deposits of $638M. Profitability stands at 2.75% ROA and 14.92% ROE, with a net interest margin of 5.07%. The bank's CET1 capital ratio is 16.48%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.50% and a Texas Ratio of 1.53%. FDIC Certificate #55130.

Assets

$995M

Deposits

$638M

Loans

$542M

Equity

$176M

Profitability

Return on Assets (ROA) 2.75%
Return on Equity (ROE) 14.92%
Net Interest Margin (NIM) 5.07%
Yield on Assets 5.78%
Cost of Funds 1.04%

Asset Quality

NPL Ratio 0.50%
Net Charge-Off Ratio 0.04%
Texas Ratio 1.53%
NPA Ratio 0.28%
ACL / Loans 1.07%

Capital & Liquidity

CET1 Ratio 16.48%
Tier 1 Capital 16.48%
Total Capital Ratio 17.30%
Leverage Ratio 15.82%
Loan-to-Deposit 84.95%

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