First Federal Savings Bank
Ottawa, IL
IDRSSD: 771878
Total Assets
$418.61M
Latest filing
Total Deposits
$322.95M
Latest filing
Net Interest Margin
2.89%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First Federal Savings Bank
633 La Salle St
Ottawa, IL 61350
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1889FDIC Certificate 41758
Branches (11)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| First Federal Savings Bank (Main) | 633 La Salle St | Ottawa, IL |
| PERU MALL BRANCH | 1600 38th St | Peru, IL |
| 137 S MAIN BRANCH | 137 S Main St | Walnut, IL |
| 111 E MAIN BRANCH | 111 E Main St | Amboy, IL |
| 1205 WASHINGTON BRANCH | 1205 Washington St | Mendota, IL |
| 8 DANNYS DRIVE BRANCH | 8 Dannys Dr | Streator, IL |
| 475 THIRD ST BRANCH | 475 3rd St | La Salle, IL |
| 124 E MAIN ST BRANCH | 124 E Main St | Morris, IL |
Showing 7 of 11
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 01/01/1889 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 61350 |
| State and County Number | 17099 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| Numeric code | 34 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Ottawa, IL |
Operational Info
| Number of Employees | 92 |
| Domestic Offices | 12 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | ffsbweb.com |
| Data Updated | 11/14/2025 |
| CERT | 28924 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $418.61M |
| Total Deposits | $322.95M |
| Total Liabilities | $374.63M |
| Total Equity Capital | $43.99M |
| Net Income | $263.00k |
| Net Loans and Leases | $282.24M |
| Assets Per Employee ($Millions) | $4.65M |
| Bank Premises and Fixed Assets | $4.25M |
| Cash and Balances due from Depository Institutions | $39.63M |
| Deposits Held in Domestic Offices | $322.95M |
Key Performance Ratios
| Return on Assets (ROA) | 0.25% |
| Return on Equity (ROE) | 2.41% |
| Net Interest Margin | 2.89% |
| Efficiency Ratio | 86.23% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.508% |
| Earning Assets to total Assets | 93.03% |
Income and Expense
| Total Interest Income | $4.82M |
| Total Noninterest Income | $462.00k |
| Total Interest Expense | $1.98M |
| Total Noninterest Expense | $2.85M |
| Net Interest Income | $2.84M |
| Pre-tax Net Operating Income | $355.00k |
| Provision for Credit Losses | $100.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $47.57M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.10M |
| Total Liabilities and Capital | $418.61M |
Securities
| Securities | $71.69M |
| Available-for-sale debt securities | $71.57M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $124.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Federal Savings Bank?
$418.61M as of the latest filing.
How much are First Federal Savings Bank's total deposits?
$322.95M in total deposits.
Where is First Federal Savings Bank located?
Ottawa, IL.
What is the Net Interest Margin?
2.89%.
How many domestic offices does it operate?
12.
When was it established?
01/01/1889.
What is the Return on Assets (ROA)?
0.25%.
How much are total loans and leases?
$282.24M (latest filing).
What is the total interest income (latest filing)?
$4.82M.