Federated Bank (FDIC certificate #10464) is based in Onarga, Illinois. Its Q2 2026 call report shows $140.1M in total assets and $119.2M in deposits and 5 offices.
Federated Bank has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 183rd. Loan quality contributes the most (93/100, 0.20%); capital cushion contributes the least (39/100, 8.88%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 12 points (57 → 69), mostly because the earnings component improved by 62 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 68 |
| Q4 2024 | 67 |
| Q1 2025 | 68 |
| Q2 2025 | 57 |
| Q3 2025 | 62 |
| Q4 2025 | 65 |
| Q1 2026 | 74 |
| Q2 2026 | 69 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.84% |
| Q3 2024 | 8.86% |
| Q4 2024 | 9.18% |
| Q1 2025 | 8.92% |
| Q2 2025 | 8.63% |
| Q3 2025 | 8.46% |
| Q4 2025 | 9.06% |
| Q1 2026 | 8.48% |
| Q2 2026 | 8.88% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.38% |
| Q3 2024 | 0.22% |
| Q4 2024 | 0.26% |
| Q1 2025 | 0.12% |
| Q2 2025 | 0.35% |
| Q3 2025 | 0.05% |
| Q4 2025 | 0.05% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.20% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.72% |
| Q3 2024 | 0.87% |
| Q4 2024 | 0.83% |
| Q1 2025 | 0.75% |
| Q2 2025 | -0.35% |
| Q3 2025 | 0.13% |
| Q4 2025 | 0.29% |
| Q1 2026 | 1.64% |
| Q2 2026 | 1.20% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 69 | $140.1M | 8.88% | 0.20% | 1.20% | 74.8% |
| Q1 2026 | 74 | $134.6M | 8.48% | 0.00% | 1.64% | 72.7% |
| Q4 2025 | 65 | $134.8M | 9.06% | 0.05% | 0.29% | 70.9% |
| Q3 2025 | 62 | $128.4M | 8.46% | 0.05% | 0.13% | 68.8% |
| Q2 2025 | 57 | $125.3M | 8.63% | 0.35% | -0.35% | 61.6% |
| Q1 2025 | 68 | $117.7M | 8.92% | 0.12% | 0.75% | 52.0% |
| Q4 2024 | 67 | $119.7M | 9.18% | 0.26% | 0.83% | 53.9% |
| Q3 2024 | 68 | $118.7M | 8.86% | 0.22% | 0.87% | 55.3% |
| Q2 2024 | 65 | $116.6M | 8.84% | 0.38% | 0.72% | 52.9% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National Bank in PinckneyvilleBank Pinckneyville, IL | 61 out of 100, Moderate | $138.4M | 11.8% | 2.01% | vs |
| State Bank of CherryBank Cherry, IL | 72 out of 100, Strong | $137.6M | 11.6% | 0.50% | vs |
| Streator Home Savings BankBank Streator, IL | 70 out of 100, Strong | $137.0M | 22.0% | 1.19% | vs |
| National Bank of St. AnneBank St. Anne, IL | 57 out of 100, Moderate | $143.2M | 9.4% | 1.55% | vs |
| Southern Illinois BankBank Johnston City, IL | 62 out of 100, Moderate | $136.5M | 17.7% | 4.75% | vs |
| The Litchfield National BankBank Litchfield, IL | 62 out of 100, Moderate | $135.7M | 8.9% | 0.84% | vs |
Deposit insurance
Is my money safe at Federated Bank?
Yes. Federated Bank is an FDIC-insured institution (FDIC certificate #10464). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.1% of deposits ($25.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.88%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.56% (benchmark: 10%).
5 locations
Branches
Federated Bank lists 5 offices in 5 cities. Most locations:
- Bradley, IL (1)
- Braidwood, IL (1)
- Chebanse, IL (1)
- Loda, IL (1)
- Onarga, IL (1)
Identity & history
Profile
- Legal name
- Federated Bank
- Former names
- Federated Bank of Onarga; Onarga State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 10464
- RSSD ID
- 640143
- Primary regulator
- FDIC
- Holding company
- Longview Capital Corp
- Established
- January 1, 1918
- Headquarters
- 107 N Chestnut St, Onarga, IL 60955
- Website
- www.federatedbank.com
- Employees
- 35
Quick answers
Federated Bank: common questions
Is Federated Bank FDIC insured?
Yes. Federated Bank is an FDIC-insured institution (FDIC certificate #10464). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Federated Bank's TellerScore?
69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Federated Bank ever failed?
There is no failure record for FDIC certificate #10464 in the FDIC failed bank list.
How many branches does Federated Bank have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Onarga
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Vermilion Valley BankBank Piper City, IL | 96 out of 100, Very strong | $198.2M | 16.7% | 0.03% | vs |
| The First Trust and Savings Bank of Watseka, IllinoisBank Watseka, IL | 96 out of 100, Very strong | $337.1M | 16.1% | 0.03% | vs |
| Frederick Community Bank, TheBank Paxton, IL | 84 out of 100, Strong | $196.1M | 10.4% | 0.00% | vs |
| Heartland Bank and Trust CompanyBank Bloomington, IL | 80 out of 100, Strong | $6.7B | 11.9% | 0.19% | vs |
| Servbank, National AssociationBank Oswego, IL | 76 out of 100, Strong | $1.7B | 11.8% | 0.59% | vs |
| Citizens Bank of ChatsworthBank Chatsworth, IL | 73 out of 100, Strong | $36.2M | 13.7% | 0.31% | vs |