First Savings Bank of Hegewisch
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Data as of · sourced from FFIEC call reports. How we update
First Savings Bank of Hegewisch is an FDIC-insured savings bank headquartered in Chicago, IL, established in 1914 (FDIC certificate 29809), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $787.0M, down 1.6% from Q2 2025, the 64th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 38.89% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 29809
- Headquarters
- Chicago, IL
- Established
- 1914
- Total assets, Q2 2026
- $787.0M
- Assets vs Q2 2025
- -1.6%
- CET1 ratio, Q2 2026
- 38.89%
- Domestic offices
- 14 FDIC institution directory, current count
- Routing number
- 271070814
- Latest call report
- Q2 2026, FFIEC 051 · First Savings Bank of Hegewisch call report
- Asset rank in state
- 64th of 319 in Illinois
First Savings Bank of Hegewisch spends more to run itself than most banks of its size. Based in Chicago, Illinois, it had $787 million in assets at June 30, 2026, down 1.6% from a year earlier. It earns about $0.13 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 92 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Unrealized losses on its securities total $36 million, equal to 30% of Tier 1 capital, against 35% a year earlier. Its margin is thin by comparison: it keeps 1.89 cents of net interest income on every dollar of earning assets, about half the median of 3.95 cents for banks its size.
As of June 30, 2026, First Savings Bank of Hegewisch reported a CET1 capital ratio of 38.89%, a return on assets of 0.13%, a nonperforming-loan ratio of 0.06% and a Texas ratio of 0.18%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, First Savings Bank of Hegewisch is the 64th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.2% to $787.0M, loans fell 0.5% and deposits fell 1.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 99.0% of total loans, followed by multifamily loans at 0.8%. The FDIC Summary of Deposits lists 14 offices for it, in 13 cities across 2 states; its Chicago 2 offices book 28% of its branch deposits. On its Q2 2026 call report, First Savings Bank of Hegewisch meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 13220 S Baltimore Ave, Chicago, IL 60633
- County
- Cook
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1914
- Former names
- First Federal Savings of Hegewisch (1982-1993); First Savings and Loan Association of Hegewisch (1940-1982)
- Domestic offices
- 14 FDIC institution directory, current count
- Employees (FTE)
- 96
- Domestic deposits
- $666.6M
- Allowance for credit losses
- $1.9M
- Net charge-offs (YTD)
- $0
- Average total assets
- $792.9M
- Average total loans
- $355.0M
- Average interest-bearing deposits
- $604.0M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29809
- Fed RSSD
- 483274
- Website
- www.fsbhegewisch.com →
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
Over the 12 quarters to Q2 2026, First Savings Bank of Hegewisch's total assets ran between $787.0M (Q2 2026) and $817.6M (Q4 2024), and it earned a profit in 8 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$787.0M total assets against $799.8M; $669.0M total liabilities against $682.5M.
$352.2M net loans and leases against $367.0M; $666.6M total deposits against $679.9M.
$343.8M securities against $337.9M; $69.0M cash and balances due against $72.2M.
$6.8M total interest income against $6.9M; $3.1M total interest expense against $3.7M.
$3.6M net interest income against $3.2M.
$293K total noninterest income against $305K; $3.6M total noninterest expense against $3.6M.
-$26K provision for credit losses against -$17K.
$264K net income against -$70K.
0.13% return on assets against -0.03%; 1.89% net interest margin against 1.64%.
38.89% CET1 capital ratio against 37.67%; 14.88% tier 1 leverage ratio against 14.58%.
Inside the full First Savings Bank of Hegewisch terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
First Savings Bank of Hegewisch rankings
Its closest position to the top of a national ranking is 31 of 2,134, for CET1 ratio; its furthest is 3,495 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.18% (Q4 2024) to 0.16% (Q1 2026) and its net interest margin ran from 1.23% (Q3 2024) to 1.89% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 38.89% | 0.13% | 0.06% | 0.18% | 1.89% |
| Q1 2026 | — | 0.16% | 0.06% | 0.18% | 1.77% |
| Q4 2025 | — | 0.03% | 0.14% | 0.43% | 1.74% |
| Q3 2025 | — | 0.09% | 0.05% | 0.16% | 1.65% |
| Q2 2025 | 37.67% | -0.03% | 0.04% | 0.12% | 1.64% |
| Q1 2025 | — | 0.01% | 0.08% | 0.25% | 1.43% |
| Q4 2024 | — | -0.18% | 0.07% | 0.22% | 1.28% |
| Q3 2024 | — | -0.11% | 0.12% | 0.38% | 1.23% |
Swipe the table sideways to see every column.
Branch Network
View all 14 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 |
|---|---|---|---|
| First Savings Bank of Hegewisch (main office) | Chicago , IL | 60633 | $125.0M |
| 18207 Burnham Avenue Branch | Lansing , IL | 60438 | $101.7M |
| Dyer Branch | Dyer , IN | 46311 | $77.8M |
| 11601 Ave O Branch | Chicago , IL | 60617 | $63.2M |
| Tinley Park Branch | Tinley Park , IL | 60477 | $58.9M |
| 1100 E Sibley Blvd Branch | Calumet City , IL | 60409 | $53.5M |
| 2351 Glenwood Dyer Road | Lynwood , IL | 60411 | $31.6M |
| Saint John Branch | Saint John , IN | 46373 | $26.9M |
| 7048 Kennedy Ave Br | Hammond , IN | 46323 | $26.6M |
| Indianapolis Boulevard Branch | Highland , IN | 46322 | $26.4M |
| South End Savings Branch | Homewood , IL | 60430 | $25.8M |
| Frankfort Branch | Frankfort , IL | 60423 | $22.6M |
| Oak Forest Branch | Oak Forest , IL | 60452 | $13.3M |
| Crown Point Branch | Crown Point , IN | 46307 | $13.1M |
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 |
|---|---|---|---|
| July 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2016 | Structure Change | Acquired Lake Federal Bank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 28, 2015 | Structure Change | Acquired South End Savings, s.b. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 26, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 30, 1984 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 7, 1983 | Structure Change | Acquired Lansing Federal Savings and Loan Association 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 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC (former OTS)); 2 against individuals associated with it
- February 18, 1992, OCC (former OTS): Cease and Desist: First Federal Savings of Hedewisch
- Period: Most recent institution action February 18, 1992. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 108 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), 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 First Savings Bank of Hegewisch
What are First Savings Bank of Hegewisch's total assets?
As of the Q2 2026 filing, First Savings Bank of Hegewisch reported total assets of $787.0 million in its FFIEC call report.
Where is First Savings Bank of Hegewisch headquartered?
It is headquartered in Chicago, IL, United States.
When was First Savings Bank of Hegewisch founded?
It was established in 1914, per the FDIC institution directory.
Is First Savings Bank of Hegewisch FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #29809). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Savings Bank of Hegewisch?
First Savings Bank of Hegewisch's primary federal regulator is the FDIC.
What is First Savings Bank of Hegewisch's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 38.89% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Savings Bank of Hegewisch operate?
It operates 14 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Savings Bank of Hegewisch's Texas Ratio?
Its Texas Ratio is 0.18% 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 First Savings Bank of Hegewisch previously called?
The charter now named First Savings Bank of Hegewisch has also operated as First Federal Savings of Hegewisch (1982-1993), First Savings and Loan Association of Hegewisch (1940-1982), per FDIC structure-change records.
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