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Federated Bank
Onarga, IL · FDIC Certificate #10464 · Chartered 01/0
Total assets
$140.10M
Total deposits
$119.21M
Total equity
$19.59M
Net loans
$89.14M
Branches (offices)
5
Net income (YTD)
$820.00K
Rank: #3,376 of 4,213 U.S. banks by assets · #234 of 322 in Illinois. Assets changed 11.8% and deposits 13.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.20% |
| Return on equity | 8.37% |
| Net interest margin (YTD) | 5.51% |
| Equity to assets | 13.99% |
| Tier 1 leverage ratio | 8.88% |
| Uninsured deposits (share of deposits) | 21.1% |
| Noncurrent loans (share of loans) | 0.20% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 74.8% |
| Real estate loans (share of loans) | 61.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $55.21M | 61.9% | |
| Commercial & industrial | $12.38M | 13.9% | |
| Consumer / individual | $1.58M | 1.8% | |
| Construction & development | $1.54M | 1.7% | |
| Agricultural | $16.36M | 18.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $116.96M | $106.31M | $199.00K | $10.56M |
| Jun 2023 | $117.78M | $104.09M | $709.00K | $10.45M |
| Jun 2024 | $116.59M | $98.49M | $421.00K | $11.09M |
| Jun 2025 | $125.28M | $105.34M | -$210.00K | $18.55M |
| Jun 2026 | $140.10M | $119.21M | $820.00K | $19.59M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $119.21M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $119.21M.
Similar-sized banks
Farmers Savings Bank ($140.32M) · Commercial Bank Of Mott ($139.98M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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