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Established in 1889, First Federal Savings Bank has been serving the needs of its customers for over 125 years. First Federal Savings Bank is a Mutually owned bank with 12 locations to serve you. Our corporate headquarters is in Ottawa, Illinois. As a Mutual Savings Bank, we cannot be bought or sold. Our name will remain the same. We are a full service bank that is big on service! With everything from checking to home loans First Federal has a complete menu of products and services to meet your every need.

What is a Mutual Savings Bank?

Who owns the Bank?

The depositors are the owners of the Bank.

Do depositors have voting rights?

Depositors have voting rights, however, in most cases a depositor signs a proxy allowing the Board of Directors to vote for them.

Does the Bank have stockholders?

No. As a mutual institution, the Bank has no stockholders.

How is the Bank managed?

The Bank is managed by its Board of Directors and its Officers:

  • Board of Directors:
    • Laurence E. Bartman
    • George A. Cary
    • Thomas B. Cassidy
    • Tony K. Kensinger
    • Michael J. Schmidt
    • Ralph C. Walter
    • James F. Wright
  • Officers
    • Laurence E. Bartman, President & CEO
    • Dena M. Weber, SVP, Savings Operations
    • Konni Rodeghier, SVP, Lending
    • Leann R. Whitney, VP, Chief Information Officer
    • Tracy A. Ritko, VP, Chief Financial Officer

What government agency regulates the Bank?

The Office of the Comptroller of the Currency is the Bank's primary regulator. The Bank is also subject to certain regulations of the Federal Deposit Insurance Corporation which regulates the Bank.

Are my deposits insured?

Yes. The basic insured amount of a depositor is $250,000. Deposits maintained in different categories of legal ownership are separately insured. It is possible to have more than $250,000 insurance coverage in a single institution.