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Servbank, National Association
Oswego, IL · FDIC Certificate #55130 · Chartered 01/0
Total assets
$1.70B
Total deposits
$1.22B
Total equity
$221.25M
Net loans
$1.06B
Branches (offices)
8
Net income (YTD)
$16.24M
Rank: #667 of 4,213 U.S. banks by assets · #42 of 322 in Illinois. Assets changed 82.5% and deposits 123.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.21% |
| Return on equity | 15.96% |
| Net interest margin (YTD) | 4.95% |
| Equity to assets | 13.00% |
| Tier 1 leverage ratio | 11.81% |
| Uninsured deposits (share of deposits) | 46.2% |
| Noncurrent loans (share of loans) | 0.59% |
| Net charge-offs (share of loans) | -0.04% |
| Loans to deposits | 86.8% |
| Real estate loans (share of loans) | 92.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $978.71M | 92.4% | |
| Commercial & industrial | $53.38M | 5.0% | |
| Consumer / individual | $4.54M | 0.4% | |
| Construction & development | $98.83M | 9.3% | |
| Agricultural | $17.40M | 1.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $152.66M | $128.76M | $137.00K | $23.09M |
| Jun 2023 | $751.02M | $325.96M | $13.46M | $96.12M |
| Jun 2024 | $793.88M | $472.96M | $28.38M | $148.05M |
| Jun 2025 | $932.30M | $546.62M | $20.98M | $196.13M |
| Jun 2026 | $1.70B | $1.22B | $16.24M | $221.25M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $1.22B | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.22B.
Similar-sized banks
The Adirondack Trust Company ($1.70B) · Security Bank And Trust Company ($1.70B)
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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