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The Federal Savings Bank
Chicago, IL · FDIC Certificate #35518 · Chartered 07/0
Total assets
$1.08B
Total deposits
$741.15M
Total equity
$165.11M
Net loans
$962.44M
Branches (offices)
2
Net income (YTD)
$290.00K
Rank: #971 of 4,213 U.S. banks by assets · #51 of 322 in Illinois. Assets changed -11.8% and deposits -5.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.05% |
| Return on equity | 0.35% |
| Net interest margin (YTD) | 3.42% |
| Equity to assets | 15.28% |
| Tier 1 leverage ratio | 15.86% |
| Uninsured deposits (share of deposits) | 15.0% |
| Noncurrent loans (share of loans) | 2.69% |
| Net charge-offs (share of loans) | 0.20% |
| Loans to deposits | 129.9% |
| Real estate loans (share of loans) | 97.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $941.36M | 97.8% | |
| Commercial & industrial | $17.82M | 1.9% | |
| Consumer / individual | $9.21M | 1.0% | |
| Construction & development | $250.96M | 26.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $743.79M | $537.49M | $3.56M | $158.67M |
| Jun 2023 | $1.08B | $592.74M | -$4.37M | $149.68M |
| Jun 2024 | $1.18B | $714.11M | -$2.85M | $148.55M |
| Jun 2025 | $1.23B | $786.59M | $3.18M | $160.25M |
| Jun 2026 | $1.08B | $741.15M | $290.00K | $165.11M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $741.15M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $741.15M.
Similar-sized banks
First Command Bank ($1.08B) · Parkside Financial Bank & Trust ($1.08B)
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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