Federated Bank
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Data as of · sourced from FFIEC call reports. How we update
Federated Bank is an FDIC-insured commercial bank headquartered in Onarga, IL, established in 1918 (FDIC certificate 10464), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $140.1M, up 11.8% from Q2 2025, the 232nd largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 11.79% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10464
- Headquarters
- Onarga, IL
- Established
- 1918
- Total assets, Q2 2026
- $140.1M
- Assets vs Q2 2025
- +11.8%
- CET1 ratio, Q2 2026
- 11.79%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 071107783
- Latest call report
- Q2 2026, FFIEC 051 · Federated Bank call report
- Holding company
- LONGVIEW CAPITAL CORPORATION
- Asset rank in state
- 232nd of 319 in Illinois
Federated Bank earns an unusually wide margin on its lending. It reported $140 million in assets at June 30, 2026, up 11.8% from a year earlier. It keeps 5.64 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also pays an average of 1.01% on its deposits and borrowings, lower than about 9 in 10 banks its size (median 1.80%).
Loans are outrunning deposits: over the year loans rose 37.2% and deposits rose 13.2%. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.20% of loans from 0.35%. Where it has less room is capital: it funds 8.88% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Federated Bank reported a CET1 capital ratio of 11.79%, a return on assets of 0.78%, a nonperforming-loan ratio of 0.20% and a Texas ratio of 8.18%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Federated Bank is the 232nd largest of the 319 banks headquartered in Illinois. From Q1 2026 to Q2 2026, its total assets rose 4.1% to $140.1M, loans rose 7.5% and deposits rose 4.7%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 24.9% of total loans, ahead of agricultural production loans at 18.2%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in IL; its Onarga office books 38% of its branch deposits. By the capital ratios in its Q2 2026 call report, Federated Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 107 N Chestnut St, Onarga, IL 60955
- County
- Iroquois
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1918
- Former names
- Federated Bank of Onarga (1986)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 35
- Domestic deposits
- $119.2M
- Allowance for credit losses
- $744K
- Net charge-offs (YTD)
- $6K
- Average total assets
- $137.2M
- Average total loans
- $90.7M
- Average interest-bearing deposits
- $80.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10464
- Fed RSSD
- 640143
- Website
- www.federatedbank.com →
- Parent Holding Company
- LONGVIEW CAPITAL CORPORATION (RSSD 1204618)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Federated Bank's total assets moved between a low of $116.2M (Q3 2023) and a high of $140.1M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$140.1M total assets against $125.3M; $120.5M total liabilities against $106.7M.
$89.1M net loans and leases against $64.9M; $119.2M total deposits against $105.3M.
$19.1M securities against $19.6M; $16.7M cash and balances due against $26.2M.
$2.0M total interest income against -$200K; $336K total interest expense against -$52K.
$1.7M net interest income against -$148K.
$189K total noninterest income against -$48K; $1.5M total noninterest expense against -$251K.
$0 provision for credit losses against $595K.
$268K net income against -$432K.
0.78% return on assets against -1.45%; 5.64% net interest margin.
11.79% CET1 capital ratio against 13.87%; 8.88% tier 1 leverage ratio against 8.63%.
Inside the full Federated Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFederated Bank rankings
Its closest position to the top of a national ranking is 814 of 3,640, for Texas Ratio; its furthest is 3,104 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -1.45% (Q2 2025) to 1.64% (Q1 2026) and its net interest margin ran from 3.71% (Q4 2024) to 5.64% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.79% | 0.78% | 0.20% | 8.18% | 5.64% |
| Q1 2026 | 12.44% | 1.64% | 0.00% | 6.49% | 5.44% |
| Q4 2025 | 12.41% | 0.76% | 0.05% | 6.42% | 5.44% |
| Q3 2025 | 12.26% | 1.05% | 0.05% | 6.65% | 5.63% |
| Q2 2025 | 13.87% | -1.45% | 0.35% | 9.97% | — |
| Q1 2025 | 16.71% | 0.73% | 0.12% | 13.51% | 4.19% |
| Q4 2024 | 15.50% | 0.73% | 0.26% | 14.42% | 3.71% |
| Q3 2024 | 16.12% | 1.17% | 0.22% | 12.34% | 4.05% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Federated Bank (main office) | Onarga , IL | 60955 | $45.7M |
| Chebanse Facility Branch | Chebanse , IL | 60922 | $29.0M |
| Bradley Branch | Bradley , IL | 60915 | $23.9M |
| Loda Branch Facility | Loda , IL | 60948 | $16.8M |
| Federated Bank Braidwood Branch | Braidwood , IL | 60408 | $3.8M |
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 |
|---|---|---|---|
| December 20, 1986 | Structure Change | Acquired Federated Bank of Chebanse Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 19, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 277 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 19 applications, 14 loans originated, $1.4M originated, across 2 states
- Period: Calendar year 2024. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Federated Bank
What are Federated Bank's total assets?
As of the Q2 2026 filing, Federated Bank reported total assets of $140.1 million in its FFIEC call report.
Where is Federated Bank headquartered?
It is headquartered in Onarga, IL, United States.
When was Federated Bank founded?
It was established in 1918, per the FDIC institution directory.
Is Federated Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10464). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Federated Bank?
Federated Bank's primary federal regulator is the FDIC.
What is Federated Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.79% in its Q2 2026 call report, above regulatory requirements.
How many branches does Federated Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Federated Bank's Texas Ratio?
Its Texas Ratio is 8.18% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Federated Bank previously called?
The charter now named Federated Bank has also operated as Federated Bank of Onarga (1986), per FDIC structure-change records.
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