First Federal Savings Bank
Operating from Ottawa, IL, First Federal Savings Bank serves its local market as an FDIC-insured commercial bank. As of Q1 2026, the bank held approximately $426M in total assets and $329M in deposits. Profitability runs below industry average — 0.33% ROA, 3.19% ROE, with NIM at 2.91%. Under the simplified Community Bank Leverage Ratio framework, leverage of 10.49% exceeds the 9% CBLR threshold. Credit conditions bear watching: 1.90% NPL ratio with a 11.53% Texas Ratio (elevated but below the 100% concern level). Its footprint covers 11 branches concentrated in Illinois.
Headquarters Profile
- Address
- 633 La Salle St, OTTAWA, IL 61350
- County
- Lasalle
- Metro Area
- OTTAWA, IL
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- Fed District
- 9
- Established
- January 1, 1889
- Branches
- 11 domestic
- Employees (FTE)
- 95
- FDIC Cert
- 28924
- Fed RSSD
- 771878
- Website
- ffsbweb.com →
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First Federal Savings Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about First Federal Savings Bank
What are First Federal Savings Bank's total assets?
As of the Q1 2026 filing, First Federal Savings Bank reported total assets of $425.9 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Federal Savings Bank headquartered?
First Federal Savings Bank is headquartered in OTTAWA, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Federal Savings Bank founded?
First Federal Savings Bank was established in 1889, per the FDIC institution directory.
Is First Federal Savings Bank FDIC-insured?
Yes. First Federal Savings Bank is an FDIC-insured commercial bank (FDIC Certificate #28924). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Federal Savings Bank?
First 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.
How many branches does First Federal Savings Bank operate?
First Federal Savings Bank operates 11 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is First Federal Savings Bank's Texas Ratio?
First Federal Savings Bank's Texas Ratio is 11.53% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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