The Federal Savings Bank is a savings bank headquartered in Chicago, Illinois, in business for about 26 years. At the end of Q2 2026 it reported $1.1B in total assets and $741.1M in deposits, with 2 offices.
Based on its Q2 2026 filing, The Federal Savings Bank scores 51/100, which we describe as below average. That is higher than only 8% of 897 banks with $1 billion – $10 billion. Among 326 banks headquartered in Illinois, it ranks 288th. Its strongest component is capital cushion (100/100; 15.86%), and its lowest is loan quality (10/100; 2.69%).
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 fell 10 points (61 → 51), mostly because the loan quality component weakened by 31 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 55 |
| Q3 2024 | 54 |
| Q4 2024 | 57 |
| Q1 2025 | 51 |
| Q2 2025 | 61 |
| Q3 2025 | 58 |
| Q4 2025 | 51 |
| Q1 2026 | 46 |
| Q2 2026 | 51 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.78% |
| Q3 2024 | 12.96% |
| Q4 2024 | 13.16% |
| Q1 2025 | 13.27% |
| Q2 2025 | 13.95% |
| Q3 2025 | 14.17% |
| Q4 2025 | 14.44% |
| Q1 2026 | 15.01% |
| Q2 2026 | 15.86% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.11% |
| Q3 2024 | 1.67% |
| Q4 2024 | 1.80% |
| Q1 2025 | 1.85% |
| Q2 2025 | 1.76% |
| Q3 2025 | 2.24% |
| Q4 2025 | 3.35% |
| Q1 2026 | 3.47% |
| Q2 2026 | 2.69% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.48% |
| Q3 2024 | -0.05% |
| Q4 2024 | 0.39% |
| Q1 2025 | -0.33% |
| Q2 2025 | 0.53% |
| Q3 2025 | 0.72% |
| Q4 2025 | 0.69% |
| Q1 2026 | -0.17% |
| Q2 2026 | 0.05% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 51 | $1.1B | 15.86% | 2.69% | 0.05% | 129.9% |
| Q1 2026 | 46 | $1.1B | 15.01% | 3.47% | -0.17% | 125.6% |
| Q4 2025 | 51 | $1.1B | 14.44% | 3.35% | 0.69% | 121.3% |
| Q3 2025 | 58 | $1.2B | 14.17% | 2.24% | 0.72% | 135.4% |
| Q2 2025 | 61 | $1.2B | 13.95% | 1.76% | 0.53% | 137.4% |
| Q1 2025 | 51 | $1.2B | 13.27% | 1.85% | -0.33% | 130.5% |
| Q4 2024 | 57 | $1.2B | 13.16% | 1.80% | 0.39% | 126.5% |
| Q3 2024 | 54 | $1.2B | 12.96% | 1.67% | -0.05% | 132.6% |
| Q2 2024 | 55 | $1.2B | 12.78% | 1.11% | -0.48% | 145.7% |
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).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Belmont Bank & Trust CompanyBank Chicago, IL | 75 out of 100, Strong | $1.1B | 11.9% | 0.41% | vs |
| First Southern BankBank Marion, IL | 49 out of 100, Below average | $1.0B | 10.9% | 3.00% | vs |
| Cornerstone National Bank & Trust CompanyBank Palatine, IL | 70 out of 100, Strong | $1.0B | 10.4% | 0.03% | vs |
| American Community Bank & TrustBank Woodstock, IL | 64 out of 100, Moderate | $1.2B | 10.6% | 1.00% | vs |
| Bank of PontiacBank Pontiac, IL | 72 out of 100, Strong | $1.2B | 10.4% | 0.27% | vs |
| First Bankers Trust Company, National AssociationBank Quincy, IL | 57 out of 100, Moderate | $1.2B | 10.0% | 1.28% | vs |
Deposit insurance
Is my money safe at The Federal Savings Bank?
Yes. The Federal Savings Bank is an FDIC-insured institution (FDIC certificate #35518). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 15.0% of deposits ($111.3M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 15.86%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.68% (benchmark: 10%).
2 locations
Branches
The Federal Savings Bank lists 2 offices in 2 cities. Most locations:
- Chicago, IL (1)
- Lake Forest, IL (1)
HMDA 2025
Mortgage lending
In 2025, The Federal Savings Bank reported 16,186 home-loan applications under HMDA (LEI 549300BX448ALT10FI43): 8,296 originated ($3,147,800,000 total), 2,014 denied, and 5,663 withdrawn or closed by the applicant. Its denial rate on decided applications was 19.1%, 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
- The Federal Savings Bank
- Former names
- Brooke Savings Bank; Generations Bank
- Type
- Savings bank
- FDIC certificate #
- 35518
- RSSD ID
- 2806877
- Primary regulator
- OCC
- Holding company
- Stephen M Calk 2025 Trust the
- Established
- July 3, 2000
- Headquarters
- 4120 W Diversey Ave, Chicago, IL 60639
- Employees
- 1,182
Quick answers
The Federal Savings Bank: common questions
Is The Federal Savings Bank FDIC insured?
Yes. The Federal Savings Bank is an FDIC-insured institution (FDIC certificate #35518). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Federal Savings Bank's TellerScore?
51 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Federal Savings Bank ever failed?
There is no failure record for FDIC certificate #35518 in the FDIC failed bank list.
How many branches does The Federal Savings Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Chicago
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Pilgrim Baptist Credit UnionCredit union Chicago, IL | 100 out of 100, Very strong | $263K | 25.8% | 0.00% | vs |
| M.W.P.H. Grand Lodge of Illinois Federal Credit UnionCredit union Chicago, IL | 100 out of 100, Very strong | $418K | 18.5% | — | vs |
| Israel Methcomm Federal Credit UnionCredit union Chicago, IL | 100 out of 100, Very strong | $2.0M | 15.5% | 0.00% | vs |
| Evergreen Park Schools Federal Credit UnionCredit union Evergreen Park, IL | 100 out of 100, Very strong | $10.0M | 19.4% | 0.00% | vs |
| Western Springs Federal Credit UnionCredit union Western Springs, IL | 95 out of 100, Very strong | $3.9M | 18.2% | 0.46% | vs |
| St. Martin De Porres Parish Federal Credit UnionCredit union Chicago, IL | 93 out of 100, Very strong | $383K | 15.0% | 0.00% | vs |