TellerScore

Headquartered in Oswego, Illinois, Servbank, National Association is a national bank with $1.7B in total assets and $1.2B in deposits as of Q2 2026. It operates 8 offices. Its charter dates back to 1994.

Based on its Q2 2026 filing, Servbank, National Association scores 76/100, which we describe as strong. That is higher than 80% of 897 banks with $1 billion – $10 billion. Among 326 banks headquartered in Illinois, it ranks 99th. Its strongest component is earnings (100/100; 2.21%), and its lowest is funding & liquidity (39/100; 87% loans-to-deposits, 46% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion68/100
Tier 1 leverage ratio: 11.81%
Loan quality80/100
Noncurrent loans ÷ total loans: 0.59%
Earnings100/100
Return on assets (annualized): 2.21%
Funding & liquidity39/100
Loans ÷ deposits and uninsured-deposit share: 86.8% · 46.2% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.10%

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 fell 6 points (82 → 76), mostly because the capital cushion component weakened by 32 points.

TellerScore
768491Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202484
Q3 202482
Q4 202482
Q1 202583
Q2 202582
Q3 202584
Q4 202584
Q1 202691
Q2 202676
Tier 1 leverage ratio
5.00%13.45%21.90%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202419.52%
Q3 202418.72%
Q4 202419.22%
Q1 202521.90%
Q2 202520.61%
Q3 202519.60%
Q4 202515.82%
Q1 202616.43%
Q2 202611.81%
Noncurrent loans
0.48%0.87%1.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.02%
Q3 20241.17%
Q4 20241.26%
Q1 20251.07%
Q2 20251.09%
Q3 20250.82%
Q4 20250.50%
Q1 20260.48%
Q2 20260.59%
Return on assets
1.99%4.85%7.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20247.71%
Q3 20247.71%
Q4 20246.99%
Q1 20254.55%
Q2 20254.73%
Q3 20254.28%
Q4 20253.92%
Q1 20261.99%
Q2 20262.21%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$1.7B11.81%0.59%2.21%86.8%
Q1 202691$1.7B16.43%0.48%1.99%90.9%
Q4 202584$995.1M15.82%0.50%3.92%84.0%
Q3 202584$1.1B19.60%0.82%4.28%69.4%
Q2 202582$932.3M20.61%1.09%4.73%66.6%
Q1 202583$912.3M21.90%1.07%4.55%57.4%
Q4 202482$817.1M19.22%1.26%6.99%57.2%
Q3 202482$880.1M18.72%1.17%7.71%40.2%
Q2 202484$793.9M19.52%1.02%7.71%41.2%

897 peers · $1 billion – $10 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).

Capital ratio11.81%
74th
Total risk-based capital0.00%
13th
Problem loans0.59%
44th
Net charge-offs-0.04%
98th
Return on assets2.21%
93rd
Net interest margin4.95%
94th
Efficiency ratio70.5%
20th
Loans to deposits86.8%
51st
Uninsured deposits46.2%
15th
Loan-loss reserves1.03%
35th
Texas ratio3.1%
56th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Foresight BankBank Winnebago, IL62 out of 100, Moderate$1.7B11.3%1.51%vs
First State BankBank Mendota, IL69 out of 100, Moderate$1.6B10.9%0.47%vs
Providence Bank & TrustBank South Holland, IL81 out of 100, Strong$1.6B11.5%0.01%vs
Dieterich BankBank Effingham, IL46 out of 100, Below average$1.6B8.4%1.87%vs
Central Bank IllinoisBank Geneseo, IL55 out of 100, Moderate$1.5B10.4%1.85%vs
Bank of SpringfieldBank Springfield, IL55 out of 100, Moderate$2.0B9.2%1.43%vs

Deposit insurance

Is my money safe at Servbank, National Association?

Yes. Servbank, National Association is an FDIC-insured institution (FDIC certificate #55130). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 46.2% of deposits ($563.6M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.81%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

Servbank, National Association lists 8 offices in 8 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Servbank, National Association reported 2,261 home-loan applications under HMDA (LEI 549300XRF9LCZ3RX3Q39): 108 originated ($31,570,000 total), 983 denied, and 1,170 withdrawn or closed by the applicant. Its denial rate on decided applications was 90.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Servbank, National Association
Former names
Allied First Bank,sb; Servbank,sb
Type
National bank
FDIC certificate #
55130
RSSD ID
2140348
Primary regulator
OCC
Holding company
Servbanc Holdco Inc
Established
January 3, 1994
Headquarters
3201 Orchard Rd, Oswego, IL 60543
Employees
406

Quick answers

Servbank, National Association: common questions

Is Servbank, National Association FDIC insured?

Yes. Servbank, National Association is an FDIC-insured institution (FDIC certificate #55130). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Servbank, National Association's TellerScore?

76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Servbank, National Association ever failed?

There is no failure record for FDIC certificate #55130 in the FDIC failed bank list.

How many branches does Servbank, National Association have?

8 offices as of the latest FDIC data.

Nearby

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