The Federal Savings Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at The Federal Savings Bank. The Chicago, Illinois bank had $1.1 billion in assets at June 30, 2026, down 11.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.69% of loans from 1.76% a year earlier. It earns about $0.29 a year on every $100 of assets, a small fraction of the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also spends about 97 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 58 cents).
Earnings fell sharply: quarterly net income of $753,000 was 82% below a year earlier. Over the same year, loans shrank 11.1% and deposits shrank 5.8%. Funding is the softer spot: it pays an average of 3.80% on its deposits and borrowings, about double the median of 2.01% for banks its size.
As of June 30, 2026, The Federal Savings Bank reported a CET1 capital ratio of 19.97%, a return on assets of 0.29%, a nonperforming-loan ratio of 3.54% and a Texas ratio of 16.42%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 4120 W Diversey Ave, Chicago, IL 60639
- County
- Cook
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- July 3, 2000
- Former names
- The Federal Savings Bank (2011); Generations Bank (2008-2011); Brooke Savings Bank (2007-2008)
- Offices
- 2 domestic
- Employees (FTE)
- 1,182
- Domestic deposits
- $741.1M
- Allowance for credit losses
- $5.9M
- Net charge-offs (YTD)
- $967K
- Average total assets
- $1.04B
- Average total loans
- $939.0M
- Average interest-bearing deposits
- $676.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 3, 2000
- FDIC Cert
- 35518
- Fed RSSD
- 2806877
- Website
- www.thefederalsavingsbank.com →
- Parent Holding Company
- NATIONAL BANCORP HOLDINGS, INC. (RSSD 4267463)
- Ultimate Parent
- STEPHEN M. CALK 2025 TRUST, THE (RSSD 6097507)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The Federal Savings Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The Federal Savings Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
The Federal Savings Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.97% | 0.29% | 3.54% | 21.24% | 3.57% |
| Q1 2026 | 20.14% | -0.17% | 4.03% | 23.52% | 3.23% |
| Q4 2025 | 19.36% | 0.59% | 4.32% | 25.49% | 3.45% |
| Q3 2025 | 17.91% | 1.13% | 3.28% | 20.73% | 3.49% |
| Q2 2025 | 17.58% | 1.44% | 2.58% | 17.00% | 3.39% |
| Q1 2025 | 17.07% | -0.33% | 2.18% | 13.91% | 3.09% |
| Q4 2024 | 17.84% | 1.71% | 2.36% | 14.32% | 3.19% |
| Q3 2024 | 17.33% | 0.83% | 2.21% | 14.76% | 3.24% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 2 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Federal Savings Bank | Chicago , IL | 60639 | $452.1M |
| Deerpath Branch | Lake Forest , IL | 60045 | $289.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 28, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 28, 2015 | Structure Change | Acquired Baytree National Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for The Federal Savings Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 7 against the institution (OCC, OCC (former OTS)); 4 against individuals associated with it
- April 2, 2026, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): The Federal Savings Bank
- October 29, 2021, OCC: Formal Agreement: The Federal Savings Bank
- January 8, 2021, OCC: Civil Money Penalty (CMP): The Federal Savings Bank
- March 3, 2011, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): The Federal Savings Bank
- March 3, 2011, OCC (former OTS): Cease and Desist: Generations Bank
- Period: Most recent institution action April 2, 2026. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in IL, rank 76 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 20,924 applications, 8,296 loans originated, $3.15B originated, across 51 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $3.6M approved, $1.2M average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The Federal Savings Bank
What are The Federal Savings Bank's total assets?
As of the Q2 2026 filing, The Federal Savings Bank reported total assets of $1.08 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Federal Savings Bank headquartered?
The Federal Savings Bank is headquartered in Chicago, IL, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings institution must.
When was The Federal Savings Bank founded?
The Federal Savings Bank was established in 2000, per the FDIC institution directory.
Is The Federal Savings Bank FDIC-insured?
Yes. The Federal Savings Bank is an FDIC-insured savings institution (FDIC Certificate #35518). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Federal Savings Bank?
The Federal Savings Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Federal Savings Bank's CET1 capital ratio?
The Federal Savings Bank reported a Common Equity Tier 1 (CET1) capital ratio of 19.97% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Federal Savings Bank operate?
The Federal Savings Bank operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Federal Savings Bank's Texas Ratio?
The Federal Savings Bank's Texas Ratio is 16.42% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was The Federal Savings Bank previously called?
The charter now named The Federal Savings Bank has also operated as The Federal Savings Bank (2011), Generations Bank (2008-2011), Brooke Savings Bank (2007-2008), per FDIC structure-change records.
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