What is First Federal Savings Bank's financial health grade?

First Federal Savings Bank has a TFS Financial Health Grade of F (score: 59.3/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First Federal Savings Bank have?

First Federal Savings Bank has 12 branch locations across the United States.

Is First Federal Savings Bank FDIC insured?

Yes, First Federal Savings Bank is FDIC insured (Certificate #28924).

What are the total assets of First Federal Savings Bank?

First Federal Savings Bank has total assets of $422.7M as reported in its most recent FDIC filing.

First Federal Savings Bank

BankOttawa, Illinois

ffsbweb.com

Total Assets

$422.7M

Total Deposits

$327.1M

Branches

Established

1889

TFS Health Grade

59.3 / 100

Poor financial health

How we grade

First Federal Savings Bank is a bank headquartered in Ottawa, Illinois, established in 1889. With $422.7M in total assets and 12 branch locations, it has a TFS Financial Health Grade of F (59.3/100).

Capital & Safety

Tier 1 Capital Ratio

10.60%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

1.58%

Profitability

Return on Assets (ROA)

0.21%(1%)

Return on Equity (ROE)

2.05%(10%)

Net Interest Margin

2.77%

Efficiency Ratio

88.59%(60%)

Lending & Liquidity

Total Loans

$287.3M

Loan-to-Deposit Ratio

86.77%

Net Charge-Off Ratio

-0.04%

Growth

Asset Growth (YoY)

+1.99%

Deposit Growth (YoY)

+1.91%

Net Income

$887.0K

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
First Federal Savings BankHQ	633 La Salle St	Ottawa	IL	11
First Federal Savings Bank	111 E Main St	Amboy	IL	11
First Federal Savings Bank	325 S Randall Rd	Elgin	IL	11
First Federal Savings Bank	475 3rd St	La Salle	IL	11
First Federal Savings Bank	1205 Washington St	Mendota	IL	11
First Federal Savings Bank	124 E Main St	Morris	IL	11
First Federal Savings Bank	433 W Main St	Ottawa	IL	11
First Federal Savings Bank	1600 38th St	Peru	IL	11
First Federal Savings Bank	701 1st Ave	Rock Falls	IL	11
First Federal Savings Bank	801 W Jefferson St	Shorewood	IL	11
First Federal Savings Bank	8 Dannys Dr	Streator	IL	11
First Federal Savings Bank	137 S Main St	Walnut	IL	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.