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Bank, Oswego, IL
Servbank, National Association
A bank based in Oswego, IL. Its commercial book is led by non-owner-occupied CRE and owner-occupied CRE. Public files show recent 1-4 unit investor, SBA 7(a) and SBA 504 loans it made.
- Kind
- Bank
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $729M
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- Not reported
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- 78
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $1.70B
- FDIC call report,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 844-201-1662 From the lender's website, retrieved November 9, 2026. Source page
- Website
- www.servbank.comFrom the FDIC record, November 9, 2026.
- Commercial lending page
- servbank.comFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- SERVBANK; SERVBANK, N.A.; Servbank National AssociationFDIC institution record,
- Address
- 3201 Orchard Rd, Oswego, IL 60543FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Servbank, National Association recorded 25 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 2 in the prior 12 months. SBA FOIA,
| When | What the record shows | Source |
|---|---|---|
| Last 24 months | Office changes in the last 24 months: 0 opened, 1 closed, 0 relocated.FDIC structure history. | FDIC history |
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 13 under Preferred Lender authority.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 212.1% to $344.4M in the year to June 30, 2026. Includes loans from acquiring Iroquois Federal Savings and Loan Association in the window, so growth reflects the acquisition as well as new lending.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 214.1% to $118.3M in the year to June 30, 2026. Includes loans from acquiring Iroquois Federal Savings and Loan Association in the window, so growth reflects the acquisition as well as new lending.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Unused commitments on commercial real estate rose 258.1% to $108.3M in the year to June 30, 2026.Call report commitments. Not a measure of new lending. | FDIC call report |
| March 12, 2026 | Acquired Iroquois Federal Savings and Loan Association on March 12, 2026.FDIC structure history. | FDIC history, |
| July 7, 2025 | Changed its name from Allied First Bank,sb on July 7, 2025.FDIC structure history. | FDIC history, |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | New York | SBA 7(a), Gasoline Stations with Convenience Stores | $2.9M | 9.25% | 25 yr | SBA FOIA | |
| Sep 2026 | New York | SBA 7(a), Offices of Lawyers | $1.4M | 8.75% | 25 yr | SBA FOIA | |
| Sep 2026 | New York | SBA 7(a), All Other Amusement and Recreation Industries | $570K | 9.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Arizona | SBA 7(a), Plumbing, Heating, and Air-Conditioning Contractors | $490K | 9.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Illinois | SBA 7(a), Sports and Recreation Instruction | $100K | 8.75% | 10 yr | SBA FOIA | |
| Aug 2026 | New York | SBA 7(a), Child Care Services | $3M | 9% | 25 yr | SBA FOIA | |
| Aug 2026 | Illinois | SBA 7(a), Pharmacies and Drug Retailers | $1.3M | 9.5% | 10 yr | SBA FOIA | |
| Aug 2026 | Colorado | SBA 7(a), Portfolio Management and Investment Advice | $500K | 9.5% | 10 yr | SBA FOIA | |
| Jul 2026 | Florida | SBA 7(a), Wholesale Trade Agents and Brokers | $1.4M | 9.75% | 25 yr | SBA FOIA | |
| Jul 2026 | Tennessee | SBA 7(a), Limited-Service Restaurants | $710K | 9.75% | 10 yr | SBA FOIA | |
| Jul 2026 | New York | SBA 7(a), Offices of Lawyers | $530K | 9.75% | 10 yr | SBA FOIA | |
| Jul 2026 | California | SBA 7(a), Child Care Services | $460K | 9.75% | 10 yr | SBA FOIA | |
| Jul 2026 | Arizona | SBA 504, Full-Service Restaurants | $430K | 25 yr | SBA FOIA | ||
| Jul 2026 | California | SBA 7(a), Child Care Services | $400K | 9.75% | 10 yr | SBA FOIA | |
| Jul 2026 | New York | SBA 504, Site Preparation Contractors | $260K | 10 yr | SBA FOIA | ||
| Jul 2026 | New York | SBA 7(a), Snack and Nonalcoholic Beverage Bars | $250K | 9.75% | 10 yr | SBA FOIA | |
| Jul 2026 | California | SBA 7(a), Wholesale Trade Agents and Brokers | $110K | 9.5% | 10 yr | SBA FOIA | |
| Jun 2026 | District of Columbia | SBA 7(a), Offices of Dentists | $830K | 9% | 10 yr | SBA FOIA | |
| Jun 2026 | District of Columbia | SBA 7(a), Offices of Dentists | $800K | 9% | 25 yr | SBA FOIA | |
| Jun 2026 | California | SBA 504, All Other Specialty Trade Contractors | $220K | 25 yr | SBA FOIA | ||
| May 2026 | Florida | SBA 7(a), Child Care Services | $590K | 9.75% | 10 yr | SBA FOIA | |
| May 2026 | Nevada | SBA 504, Professional, Scientific, and Technical Services | $500K | 25 yr | SBA FOIA | ||
| Apr 2026 | Colorado | SBA 504, Transportation and Warehousing | $1.1M | 20 yr | SBA FOIA | ||
| Apr 2026 | New Jersey | SBA 504, Health Care and Social Assistance | $550K | 25 yr | SBA FOIA | ||
| 2024 | DuPage County, IL | Purchase, 5 to 24 units | $1.6M | 8.5% | 1 yr | HMDA 2024 | |
| 27 SBA 7(a) loans since October 2023, net of cancelled | $19.5M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $99.3M | 9.3% | Not reported |
| Construction and land development | $98.8M | 9.2% | +454.0% |
| Owner-occupied CRE | $118M | 11.1% | +214.1% |
| Non-owner-occupied CRE | $344M | 32.2% | +212.1% |
| Farmland | $14.7M | 1.4% | Not reported |
| Commercial and industrial | $53.4M | 5.0% | +804.8% |
| Commercial total | $729M |
Includes loans from acquiring Iroquois Federal Savings and Loan Association in the window, so growth reflects the acquisition as well as new lending.
Reference only: $303M of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $11.8M |
| Q4 2023 | $14.1M |
| Q1 2024 | $15.1M |
| Q2 2024 | $14.7M |
| Q3 2024 | $23.8M |
| Q4 2024 | $85.2M |
| Q1 2025 | $112M |
| Q2 2025 | $173M |
| Q3 2025 | $271M |
| Q4 2025 | $344M |
| Q1 2026 | $750M |
| Q2 2026 | $729M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2024 | 1 | $1.6M | $1.6M | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 8 | $1.92M | $255K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 27 | $19.5M | $500K | $3M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 25 | $19.3M | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 51 | $69.2M | $849K | $4.2M | SBA FOIA, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its FDIC certificate number. SBA 504 first liens: its name and state.
| Industry | Loans | Dollars |
|---|---|---|
| Child Care Services | 7 | $7.16M |
Other lenders in these fields: SBA lenders for child care businesses.
Programs on record: Federal Home Loan Bank member, Chicago district (FHFA).
Undrawn commitments
FFIEC Call Report, June 30, 2026
- Servbank, National Association reported commitments to fund construction loans that had not been drawn at June 30, 2026: $11,024,000 for 1-4 family residential construction and $97,256,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $38,525,000. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 232 | $11.8M |
| Over $100,000 up to $250,000 | 55 | $6.14M |
| Over $250,000 up to $1 million | 44 | $13.7M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 53 | $2.37M |
| Over $100,000 up to $250,000 | 73 | $8.38M |
| Over $250,000 up to $1 million | 114 | $15.3M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 6 | $268K |
| Over $100,000 up to $250,000 | 11 | $1.50M |
| Over $250,000 up to $500,000 | 11 | $2.89M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 19 | $404K |
| Over $100,000 up to $250,000 | 17 | $2.04M |
| Over $250,000 up to $500,000 | 13 | $2.84M |
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Illinois HQ | 8 | 0 | 1 | 3 | 2 |
| California | 0 | 0 | 0 | 6 | 24 |
| New York | 0 | 0 | 0 | 6 | 7 |
| Florida | 0 | 0 | 1 | 4 | 0 |
| New Jersey | 0 | 0 | 0 | 1 | 4 |
| Arizona | 0 | 0 | 1 | 1 | 2 |
| Nevada | 0 | 0 | 1 | 0 | 3 |
| Colorado | 0 | 0 | 1 | 1 | 1 |
| Utah | 0 | 0 | 0 | 0 | 3 |
| District of Columbia | 0 | 0 | 0 | 2 | 0 |
| Tennessee | 0 | 0 | 0 | 2 | 0 |
| Texas | 0 | 0 | 1 | 1 | 0 |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- Servbank, National Association has 8 offices in 5 counties and 1 state (FDIC Summary of Deposits, June 30, 2026): 8 full service and 0 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Champaign County, IL | 2 | 0 |
| Iroquois County, IL | 2 | 0 |
| Vermilion County, IL | 2 | 0 |
| Kankakee County, IL | 1 | 0 |
| Kendall County, IL | 1 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Estimated largest single loan | $30.6M | $20.3M to $51.4M across 8 peers | Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated. | FDIC call report, 12 CFR 32.3, Jun 30, 2026 |
| CRE to capital | 266.1% | 198.7% to 491.6% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 48.5% | 19.8% to 137.1% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 87.7% | 74.5% to 99.2% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $108M | $24.9M to $218M across 8 peers | Commitments to lend on commercial real estate that are not yet drawn, up 258.1% from a year earlier. | FDIC call report, |
| Loans to assets | 62.9% | 62.2% to 82.6% across 8 peers | Total loans divided by total assets. | FDIC call report, |
Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.
Loan channel and SBA processing
Public record only
- Preferred Lender authority
- 13 loans (48.1%)
- Approval to first disbursement
- 14 days, median of 20
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Dieterich Bank | IL | $1.55B | $771M |
| Blackhawk Bank & Trust | IL | $2.04B | $1.03B |
| Providence Bank & Trust | IL | $1.56B | $1.01B |
| Lakeside Bank | IL | $2.85B | $2.14B |
| International Bank of Chicago | IL | $983M | $470M |
| Amalgamated Bank of Chicago | IL | $1.33B | $806M |
| Central Bank Illinois | IL | $1.46B | $754M |
| First State Bank | IL | $1.56B | $802M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. Servbank, National Association, FDIC certificate 55130. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $1.70B in total assets and $729M in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. 87 recorded loans from HMDA and SBA files, through September 30, 2026: 1 HMDA multifamily 2024, 8 HMDA 1-4 unit investor 2025, 27 SBA 7(a) in 36 months, 51 SBA 504 first liens in 36 months. Each has its source and date. [How each file was tied to Servbank, National Association]
- Phone and website. Phone 844-201-1662, from the lender's website on November 9, 2026. Website servbank.com, from the FDIC record. [How to reach them]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- Office of the Comptroller of the Currency
- FDIC certificate
- 55130
- RSSD
- 2140348
- LEI
- 549300XRF9LCZ3RX3Q39
- The Lender Report ID
- lr_000980
- FDIC classifies this bank as
- Commercial Lending Specialization
- Ownership
- Stock
- Head office metro area
- Chicago-Naperville-Elgin, IL-IN-WI
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $1.7B in total assets as of June 30, 2026 (FDIC call report).
- Held $728.9M of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $344.4M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 212.1% from a year earlier, including loans acquired in a merger (FDIC call report).
- Held $118.3M of owner-occupied commercial real estate loans as of June 30, 2026, up 214.1% from a year earlier, including loans acquired in a merger (FDIC call report).
- Held $99.3M of multifamily loans as of June 30, 2026 (FDIC call report).
- Originated 1 multifamily loan totaling $1.6M in 2024 (HMDA).
7 more sentences
- Originated 8 1-4 unit investor or business-purpose loans totaling $1.9M in 2025 (HMDA).
- Recorded 29 SBA 7(a) approvals totaling $24.7M from October 1, 2023 to September 30, 2026, of which 2 were later cancelled (SBA).
- Provided the first lien on 53 SBA 504 projects with $71M in first-lien dollars from October 1, 2023 to September 30, 2026, of which 2 were later cancelled (SBA).
- Listed 8 offices in 1 state (FDIC).
- Held 331 commercial and industrial loans that were $1 million or less when made, with a balance of $31.7M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 240 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $26M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $11M for 1-4 family and $97.3M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
Cite this
Source: The Lender Report, Servbank, National Association, https://lender.report/lender/servbank-il/, data as of June 30, 2026.
Sources
- FDIC institution record, November 9, 2026
- FDIC office list, October 28, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FDIC Summary of Deposits, June 30, 2026
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem