FEDERATED BANK

ONARGA, IL | Small | Est. Jan. 1, 1918, midnight | FDIC #10464 | RSSD #640143 | FDIC
Latest Report: 2025-12-31

FEDERATED BANK is asn small FDIC-insured commercial bank headquartered in ONARGA, IL, established in Jan. 1, 1918, midnight. As of 2025-12-31, the bank reported total assets of $135M and total deposits of $114M. Profitability stands at 0.75% ROA and 5.05% ROE, with a net interest margin of 5.15%. The bank's CET1 capital ratio is 12.41%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.05% and a Texas Ratio of 3.58%. FDIC Certificate #10464.

Assets

$135M

Deposits

$114M

Loans

$82M

Equity

$20M

Profitability

Return on Assets (ROA) 0.75%
Return on Equity (ROE) 5.05%
Net Interest Margin (NIM) 5.15%
Yield on Assets 6.25%
Cost of Funds 1.20%

Asset Quality

NPL Ratio 0.05%
Net Charge-Off Ratio -0.01%
Texas Ratio 3.58%
NPA Ratio 0.54%
ACL / Loans 0.91%

Capital & Liquidity

CET1 Ratio 12.41%
Tier 1 Capital 12.41%
Total Capital Ratio 13.24%
Leverage Ratio 9.06%
Loan-to-Deposit 71.53%

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