Servbank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Servbank, N.A. is an FDIC-insured commercial bank headquartered in Oswego, IL, established in 1994 (FDIC certificate 55130), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.70B, the 41st largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.81% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 55130
- Headquarters
- Oswego, IL
- Established
- 1994
- Total assets, Q2 2026
- $1.70B
- Tier 1 leverage ratio, Q2 2026
- 11.81%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 071993214
- Latest call report
- Q2 2026, FFIEC 051 · Servbank, N.A. call report
- Holding company
- SERVBANC HOLDCO, INC.
- Asset rank in state
- 41st of 319 in Illinois
Servbank, N.A. is one of the more profitable banks of its size. It reported $1.7 billion in assets at June 30, 2026, against $932 million a year earlier. It earns about $2.28 a year on every $100 of assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median $1.29). It also keeps 5.03 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.71 cents).
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.59% of loans from 1.09%. Net income for the quarter slipped 15% from a year earlier, to $9.5 million.
As of June 30, 2026, Servbank, N.A. reported a return on assets of 2.28%, a nonperforming-loan ratio of 0.59% and a Texas ratio of 3.55%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Servbank, N.A. is the 41st largest of the 319 banks headquartered in Illinois. Between Q1 2026 and Q2 2026, its total assets fell 1.0% to $1.70B, loans fell 6.8% and deposits fell 1.8%. Non-owner-occupied commercial real estate loans made up 32.2% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 28.3%. Its 8 offices in the FDIC Summary of Deposits are in 8 cities in IL; its Oswego office books 43% of its branch deposits. By the capital ratios in its Q2 2026 call report, Servbank, N.A. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 3201 Orchard Rd, Oswego, IL 60543
- County
- Kendall
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 3, 1994
- Former names
- Servbank,sb (2024-2025); Allied First Bank,sb (2001-2024)
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 406
- Domestic deposits
- $1.22B
- Allowance for credit losses
- $11.0M
- Net charge-offs (YTD)
- -$199K
- Average total assets
- $1.66B
- Average total loans
- $1.12B
- Average interest-bearing deposits
- $730.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 1, 2001
- FDIC Cert
- 55130
- Fed RSSD
- 2140348
- SEC CIK
- 2146803 → filed by SERVBANC HOLDCO, INC.
- Website
- www.servbank.com →
- Parent Holding Company
- SERVBANC HOLDCO, INC. (RSSD 5617896)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Servbank, N.A. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Servbank, N.A.'s total assets moved between a low of $660.9M (Q4 2023) and a high of $1.72B (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.70B total assets against $932.3M; $1.48B total liabilities against $736.2M.
$1.06B net loans and leases against $364.1M; $1.22B total deposits against $546.6M.
$159.6M securities against $106.2M; $376.3M cash and balances due against $427.8M.
$23.2M total interest income against $12.3M; $4.9M total interest expense against $805K.
$18.3M net interest income against $11.5M.
$19.1M total noninterest income against $29.4M; $25.3M total noninterest expense against $25.7M.
-$663K provision for credit losses against $1.3M.
$9.5M net income against $11.1M.
2.28% return on assets against 4.84%; 5.03% net interest margin against 5.98%.
11.81% tier 1 leverage ratio against 20.61%.
Inside the full Servbank, N.A. 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Servbank, N.A. rankings
Its closest position to the top of a national ranking is 254 of 3,611, for ROA; its furthest is 2,501 of 3,606, for efficiency ratio.
Banks merged into Servbank, N.A.
- Iroquois Federal Savings and Loan Association, effective March 13, 2026
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.28% (Q2 2026) to 7.69% (Q3 2024) and its net interest margin ran from 5.03% (Q2 2026) to 5.98% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.81% | 2.28% | 0.59% | 3.55% | 5.03% |
| Q1 2026 | 16.43% | 2.42% | 0.48% | 2.81% | 5.50% |
| Q4 2025 | 15.82% | 2.67% | 0.50% | 1.61% | 5.21% |
| Q3 2025 | 19.60% | 3.56% | 0.82% | 1.95% | 5.38% |
| Q2 2025 | 20.61% | 4.84% | 1.09% | 2.08% | 5.98% |
| Q1 2025 | 21.90% | 4.83% | 1.07% | 1.75% | 5.68% |
| Q4 2024 | 19.22% | 4.55% | 1.26% | 1.96% | 5.81% |
| Q3 2024 | 18.72% | 7.69% | 1.17% | 1.58% | 5.42% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 |
|---|---|---|---|
| Servbank, N.A. (main office) | Oswego , IL | 60543 | $520.7M |
| Danville Office | Danville , IL | 61832 | $289.6M |
| Iroquois Federal Savings and Loan Branch | Watseka , IL | 60970 | $174.2M |
| Hoopeston Branch | Hoopeston , IL | 60942 | $77.9M |
| Iroquois Federal - Bourbonnais Office Branch | Bourbonnais , IL | 60914 | $76.5M |
| Clifton Office | Clifton , IL | 60927 | $40.5M |
| Iroquois Federal - Champaign Office | Champaign , IL | 61822 | $22.7M |
| Savoy Office | Savoy , IL | 61874 | $17.9M |
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 |
|---|---|---|---|
| March 13, 2026 | Structure Change | Acquired Iroquois Federal Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 12, 2026 | 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
- 0.2% of deposits in IL, rank 62 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 3,315 applications, 108 loans originated, $31.6M originated, across 51 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $200K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Servbank, N.A.
What are Servbank, N.A.'s total assets?
As of the Q2 2026 filing, Servbank, N.A. reported total assets of $1.70 billion in its FFIEC call report.
Where is Servbank, N.A. headquartered?
It is headquartered in Oswego, IL, United States.
When was Servbank, N.A. founded?
It was established in 1994, per the FDIC institution directory.
Is Servbank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #55130). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Servbank, N.A.?
Servbank, N.A.'s primary federal regulator is the OCC.
How many branches does Servbank, N.A. operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Servbank, N.A.'s Texas Ratio?
Its Texas Ratio is 3.55% 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 Servbank, N.A. previously called?
The charter now named Servbank, N.A. has also operated as Servbank,sb (2024-2025), Allied First Bank,sb (2001-2024), per FDIC structure-change records.
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