Federated Bank
107 N Chestnut St, Onarga, IL 60955
Financial Overview
Financial Health Analysis
Federated Bank is a currently active agricultural specialization banking institution headquartered in Onarga, Illinois. Established in 01/01/1918, this institution operates under regulatory supervision and is fully insured by the FDIC.
As a financial institution, Federated Bank manages $134.6M in total assets and holds $113.9M in customer deposits. When evaluating the stability of Federated Bank, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 14.50%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.
In terms of operational efficiency, the bank's Return on Assets (ROA) is 1.64%, while its Return on Equity (ROE) sits at 11.24%. These robust metrics contribute to an overall health score of 10.0 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.
Risk & Growth Profiles
✓ Clean Regulatory Record
No recent history of FDIC conservatorship or financial failure.
Deposit Momentum
$22.8M avg deposits per branch.
Measures how much capital the bank holds against its physical footprint. A higher ratio indicates a highly liquid, lower-overhead lending profile.
Operations & Contact
Contact
Website: www.federatedbank.com
FDIC Certificate #: 10464
Specialization: Agricultural Specialization