FIRST FEDERAL SAVINGS BANK

OTTAWA, IL | Small | Est. Jan. 1, 1889, midnight | FDIC #28924 | RSSD #771878 | OCC
Latest Report: 2025-12-31

FIRST FEDERAL SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in OTTAWA, IL, established in Jan. 1, 1889, midnight. As of 2025-12-31, the bank reported total assets of $423M and total deposits of $327M. Profitability stands at 0.27% ROA and 2.61% ROE, with a net interest margin of 2.95%. The bank's CET1 capital ratio is 10.33%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.58% and a Texas Ratio of 9.45%. FDIC Certificate #28924.

Assets

$423M

Deposits

$327M

Loans

$287M

Equity

$45M

Profitability

Return on Assets (ROA) 0.27%
Return on Equity (ROE) 2.61%
Net Interest Margin (NIM) 2.95%
Yield on Assets 4.91%
Cost of Funds 2.03%

Asset Quality

NPL Ratio 1.58%
Net Charge-Off Ratio -0.04%
Texas Ratio 9.45%
NPA Ratio 1.07%
ACL / Loans 1.21%

Capital & Liquidity

CET1 Ratio 10.33%
Tier 1 Capital 10.33%
Total Capital Ratio 10.85%
Leverage Ratio 10.60%
Loan-to-Deposit 87.83%

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