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About the company
First Ottawa Bancshares, Inc. is a bank holding company. The Company’s principal activity is the ownership and management of its subsidiary, American Commercial Bank & Trust, National Association (the Bank). The Bank is primarily engaged in providing a full range of banking and financial services to individual and corporate customers in LaSalle, Grundy, Cook, and surrounding counties in Illinois. Its portfolio segments include commercial real estate, commercial non-real estate, construction, and land development, agricultural, residential, and consumer. The Bank's business banking includes business accounts, cash management, commercial lending, and farm management and agricultural lending. Its personal banking includes checking and savings, certificate of deposit and individual retirement accounts (IRAs), consumer lending, online and mobile banking, safe deposit boxes, and wealth management services. Its residential lending services include Residential Loans and Home Equity Loans.
- Revenue in USD (TTM)111.46m
- Net income in USD24.42m
- Incorporated1999
- Employees81.00
- LocationFirst Ottawa Bancshares Inc701 LASALLE STREET,P O Box 657OTTAWA 61350United StatesUSA
- Phone+1 (815) 434-0044
- Fax+1 (815) 434-0307
- Websitehttps://www.firstottawa.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| BCB Bancorp Inc | 172.96m | -14.46m | 141.65m | 264.00 | -- | 0.4655 | -- | 1.39 | -0.8408 | -0.8408 | 5.91 | 17.62 | -- | -- | -- | -- | -0.3642 | 0.679 | -- | -- | -- | -- | -12.33 | 21.92 | -- | -- | -- | 50.63 | -10.85 | 8.80 | -186.09 | -- | -- | 5.15 |
| SR Bancorp Inc | 49.06m | 4.28m | 148.17m | 119.00 | 32.86 | 0.7862 | 29.27 | 3.02 | 0.5347 | 0.5347 | 6.13 | 22.35 | 0.0445 | -- | 16.15 | 412,243.70 | 0.3873 | -- | 1.76 | -- | -- | -- | 8.71 | -- | -- | 1.29 | 0.8332 | -- | 31.27 | -- | 147.29 | -- | -- | -- |
| Finward Bancorp | 91.76m | 8.09m | 166.18m | 293.00 | 20.41 | 0.9512 | 15.41 | 2.52 | 1.88 | 1.88 | 15.38 | 40.37 | -- | -- | -- | -- | 0.3962 | 0.6096 | -- | -- | -- | -- | 12.25 | 16.97 | -- | -- | -- | -- | 2.90 | 12.19 | -33.33 | -12.68 | -- | -- |
| MainStreet Bancshares Inc | 131.59m | 13.46m | 169.42m | 174.00 | 12.86 | 0.8855 | 12.80 | 2.30 | 1.76 | 1.76 | 9.61 | 29.16 | -- | -- | -- | -- | 0.7032 | 0.8302 | -- | -- | -- | -- | 21.22 | 22.90 | -- | -- | -- | -- | -2.25 | 16.22 | 210.89 | -2.25 | -- | -- |
| First Ottawa Bancshares Inc | 111.46m | 24.42m | 175.14m | 81.00 | 7.13 | 1.37 | -- | 2.39 | 26.24 | 26.24 | 78.63 | 136.26 | -- | -- | -- | -- | 1.35 | 1.03 | -- | -- | -- | -- | 33.38 | 24.01 | -- | -- | -- | 11.02 | 22.25 | 44.96 | 35.62 | 51.58 | -36.62 | 0.00 |
| Greystone Housing Impact Investors LP | 92.98m | 4.04m | 179.23m | 0.00 | 43.39 | 0.6149 | 44.25 | 1.93 | 0.1752 | 0.1752 | 4.02 | 16.49 | 0.0613 | -- | 13.11 | -- | 0.5506 | 2.68 | 0.6036 | 3.09 | 38.33 | 49.47 | 8.99 | 46.41 | -- | -- | 0.7321 | 84.20 | -12.99 | 3.07 | -62.75 | -7.10 | -- | 5.02 |
| Community Bancorp | 59.77m | 16.32m | 180.27m | 128.00 | 11.09 | 1.64 | 10.39 | 3.85 | 2.91 | 2.91 | 8.36 | 19.91 | -- | -- | -- | -- | 1.37 | 1.26 | -- | -- | -- | -- | 35.07 | 32.52 | -- | -- | -- | 37.71 | 17.27 | 11.61 | -5.05 | 7.66 | -3.63 | 4.34 |
| Tri City Bankshares Corp | 79.26m | 14.37m | 184.78m | 392.00 | 12.98 | 0.9993 | -- | 2.41 | 1.60 | 1.63 | 8.54 | 20.76 | -- | -- | -- | -- | 0.7344 | 0.6512 | -- | -- | -- | -- | 18.71 | 17.99 | -- | -- | -- | 44.54 | 3.71 | 9.23 | 26.71 | 0.2074 | -- | -1.59 |
| First Capital Inc | 56.85m | 16.37m | 191.48m | 173.00 | 11.70 | -- | 15.53 | 3.78 | 4.89 | 4.89 | 15.12 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 32.36 | 30.07 | -- | -- | -- | -- | 12.63 | 13.91 | 37.08 | 10.07 | -- | 4.56 |
| Open Lending Corp | 16.95m | -150.35m | 198.56m | 205.00 | -- | 2.73 | -- | 11.72 | -1.26 | -1.26 | 0.1424 | 0.6162 | 0.0496 | -- | 0.6671 | 82,673.17 | -44.00 | 0.1414 | -49.84 | 0.1504 | -36.75 | 85.36 | -887.15 | 0.3405 | -- | -285.29 | 0.6485 | 1,498.98 | -79.55 | -23.69 | -711.74 | -- | 108.45 | -- |
| Terra Income Fund 6 LLC | 7.94m | -13.51m | 203.73m | -- | -- | -- | -- | 25.67 | -- | -- | -- | -- | 0.0698 | -- | -- | -- | -11.87 | -1.87 | -11.91 | -1.89 | 89.41 | 75.86 | -170.18 | -17.55 | -- | -0.107 | 0.5122 | -- | -21.47 | -4.14 | -122.23 | -- | -- | -- |
| Peoples Bancorp of North Carolina Inc | 82.48m | 16.76m | 204.78m | 281.00 | 12.25 | 1.37 | 10.46 | 2.38 | 3.06 | 3.06 | 15.69 | 27.38 | -- | -- | -- | -- | 0.9857 | 0.9676 | -- | -- | -- | -- | 19.51 | 19.97 | -- | -- | -- | 31.24 | 12.34 | 10.23 | 5.19 | 3.06 | -27.02 | 6.30 |
| First Farmers and Merchants Corp | 67.28m | 17.91m | 207.58m | 226.00 | 11.83 | 1.34 | 10.62 | 3.29 | 4.42 | 4.42 | 15.56 | 39.02 | -- | -- | -- | -- | 0.9961 | 0.8724 | -- | -- | -- | -- | 28.39 | 26.81 | -- | -- | -- | 23.94 | 12.15 | 7.17 | -0.0872 | -0.0262 | -- | 3.96 |
| CF Bankshares Inc | 119.92m | 15.75m | 207.81m | 102.00 | 12.95 | 1.16 | 12.45 | 3.51 | 2.49 | 2.49 | 9.36 | 27.82 | -- | -- | -- | -- | 0.7766 | 1.16 | -- | -- | -- | -- | 27.41 | 32.51 | -- | -- | -- | 5.63 | 9.34 | 27.52 | -23.09 | 6.77 | -9.70 | -- |
| SWK Holdings Corp | 45.13m | 22.73m | 209.26m | 9.00 | 9.29 | 0.8232 | 9.03 | 4.64 | 1.86 | 1.86 | 3.69 | 21.02 | 0.1478 | -- | 7.52 | 1,880,333.00 | 7.44 | 4.99 | 7.54 | 5.11 | -- | -- | 50.36 | 34.08 | -- | -- | 0.1116 | 0.00 | 19.14 | 7.91 | -15.10 | -10.76 | -- | -- |
| OP Bancorp | 150.33m | 25.53m | 211.73m | 231.00 | 8.29 | 0.9291 | 10.72 | 2.24 | 1.71 | 1.71 | 6.36 | 15.31 | -- | -- | -- | -- | 1.02 | 1.28 | -- | -- | -- | -- | 27.10 | 30.80 | -- | -- | -- | 25.46 | 9.23 | 22.88 | 23.97 | 14.68 | -- | 11.38 |
Data as of Feb 05 2026. Currency figures normalised to First Ottawa Bancshares Inc's reporting currency: US Dollar USD
4.55%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Siena Capital Partners GP LLCas of 30 Sep 2025 | 37.13k | 4.19% |
| HighPoint Advisor Group LLCas of 30 Sep 2025 | 3.24k | 0.37% |
Data from 30 Sep 2025 - 30 Sep 2025Source: FactSet Research Systems Inc.
