Total Assets
$423M
Total balance-sheet footings
FDIC Cert #28924 · Ottawa, Illinois · Est. 1889
First Federal Savings Bank - FDIC Bank Health Profile
A community-scale look at First Federal Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $423M
- Total assets
- C
- Health grade · Fair
- 0.21%
- Return on assets
- 10.6%
- Tier 1 capital
Data updated July 2026
The verdict
First Federal Savings Bank earns a PlainBankData health grade of C (51/100), with well-capitalized at 10.60% Tier 1, 0.21% ROA, 89% efficiency ratio.
- #2,011
- largest of 4,313 FDIC banks by assets
- 53rd
- percentile by asset size, nationally
- 10.60%
- Tier 1 ratio - above the 10% well-capitalized line
- 8th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How First Federal Savings Bank's 51/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Federal Savings Bank's composite health score
Tier 1 Capital Ratio (10.60%) 28/40
Return on Assets (ROA) (0.21%) 7/25
Texas Ratio (9.45%) 16/20
Efficiency Ratio (88.59%) 0/15
51 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$327M
Customer-funded liabilities
Net Loans
$284M
Outstanding loan book
Net Income
$887K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Federal Savings Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Federal Savings Bank's score of 51/100 falls in the highlighted band.
First Federal Savings Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Federal Savings Bank's $423M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.60% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.60%
Texas Ratio
9.45%
Equity Capital
$45M
Profitability metrics
Return on Assets (ROA)
8th percentile nationally
0.21%
Return on Equity (ROE)
2.05%
Efficiency Ratio
88.59%
What the numbers say about First Federal Savings Bank
First Federal Savings Bank is an FDIC-insured institution (Certificate #28924) headquartered in Ottawa, Illinois, established in 1889. It holds $423M in total assets - 2,011th of 4,313 FDIC-insured banks, $327M in customer deposits, and $284M in net loans. Looking at capital strength, Tier 1 stands at 10.60%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 9.45%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (51/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Illinois, First Federal Savings Bank ranks 118th of 330 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$19M
Interest Income
$2M
Non-Interest Income
$11M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Federal Savings Bank reports a Texas Ratio of 9.45% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
9.45% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Illinois by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Federal Savings Bank (FDIC Cert #28924) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Illinois
All Illinois banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BMO Bank National AssociationChicago | $252.1B | A | 0.95% |
| The Northern Trust CompanyChicago | $176.4B | B | 1.02% |
| CIBC Bank USAChicago | $64.0B | A | 1.47% |
| Busey BankChampaign | $18.1B | A | 0.92% |
| Byline BankChicago | $9.6B | A | 1.47% |
| Wintrust Bank, National AssociationChicago | $9.6B | A | 1.88% |
| Lake Forest Bank & Trust Company, National AssociationLake Forest | $9.4B | A | 2.20% |
| First American BankElk Grove Village | $8.1B | A | 1.72% |
Frequently asked questions
What is First Federal Savings Bank's health grade?▼
First Federal Savings Bank receives a health grade of C (51/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is First Federal Savings Bank?▼
First Federal Savings Bank holds $423M in total assets and $327M in deposits, ranking 2,011th of 4,313 FDIC-insured banks by asset size. It is headquartered in Ottawa, Illinois.
Is my money safe at First Federal Savings Bank?▼
Yes, deposits at First Federal Savings Bank (Certificate #28924) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Federal Savings Bank's Tier 1 Capital Ratio?▼
First Federal Savings Bank has a Tier 1 Capital Ratio of 10.60%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First Federal Savings Bank?▼
First Federal Savings Bank has a Texas Ratio of 9.45%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Federal Savings Bank?▼
First Federal Savings Bank has an Efficiency Ratio of 88.59%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Federal Savings Bank's profile as a depositor or analyst.
- First Federal Savings Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Federal Savings Bank against other Illinois banks before moving funds. Illinois banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.