Total Assets
$995M
Total balance-sheet footings
FDIC Cert #55130 · Oswego, Illinois · Est. 1994
Servbank, National Association - FDIC Bank Health Profile
A community-scale look at Servbank, National Association's own numbers, pulled straight from its quarterly FDIC Call Report.
- $995M
- Total assets
- A
- Health grade · Excellent
- 3.92%
- Return on assets
- 15.8%
- Tier 1 capital
Data updated July 2026
The verdict
Servbank, National Association earns a PlainBankData health grade of A (93/100), with well-capitalized at 15.82% Tier 1, profitable at 3.92% ROA, 66% efficiency ratio.
- #1,048
- largest of 4,313 FDIC banks by assets
- 76th
- percentile by asset size, nationally
- 15.82%
- Tier 1 ratio - above the 10% well-capitalized line
- 99th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Servbank, National Association's 93/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Servbank, National Association's composite health score
Tier 1 Capital Ratio (15.82%) 40/40
Return on Assets (ROA) (3.92%) 25/25
Texas Ratio (1.48%) 20/20
Efficiency Ratio (66.14%) 8/15
93 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$638M
Customer-funded liabilities
Net Loans
$536M
Outstanding loan book
Net Income
$37M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Servbank, National Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Servbank, National Association's score of 93/100 falls in the highlighted band.
Servbank, National Association'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). Servbank, National Association's $995M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
15.82% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
15.82%
Texas Ratio
1.48%
Equity Capital
$176M
Profitability metrics
Return on Assets (ROA)
99th percentile nationally
3.92%
Return on Equity (ROE)
19.79%
Efficiency Ratio
66.14%
What the numbers say about Servbank, National Association
Servbank, National Association is an FDIC-insured institution (Certificate #55130) headquartered in Oswego, Illinois, established in 1994. It holds $995M in total assets - 1,048th of 4,313 FDIC-insured banks, $638M in customer deposits, and $536M in net loans. Its capital position: a Tier 1 ratio of 15.82%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 1.48% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (93 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Servbank, National Association sits 55th of 330 banks headquartered in Illinois by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$49M
Interest Income
$107M
Non-Interest Income
$100M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Servbank, National Association reports a Texas Ratio of 1.48% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.48% - 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) Servbank, National Association (FDIC Cert #55130) - 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 Servbank, National Association's health grade?▼
Servbank, National Association receives a health grade of A (93/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Servbank, National Association?▼
Servbank, National Association holds $995M in total assets and $638M in deposits, ranking 1,048th of 4,313 FDIC-insured banks by asset size. It is headquartered in Oswego, Illinois.
Is my money safe at Servbank, National Association?▼
Yes, deposits at Servbank, National Association (Certificate #55130) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Servbank, National Association's Tier 1 Capital Ratio?▼
Servbank, National Association has a Tier 1 Capital Ratio of 15.82%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Servbank, National Association?▼
Servbank, National Association has a Texas Ratio of 1.48%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Servbank, National Association?▼
Servbank, National Association has an Efficiency Ratio of 66.14%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Servbank, National Association's profile as a depositor or analyst.
- Servbank, National Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Servbank, National Association 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.