About The Community Reinvestment Act

The federal Community Reinvestment Act (CRA) makes good business sense to us and means good credit news for you. The CRA requires federal regulators to evaluate and rate our performance in meeting the credit needs of our communities. After each evaluation, the rating we receive will be made public. Only when we meet acceptable performance standards are we able to have certain applications, such as expansions or new branch openings approved by the regulators.

What we offer to our communities...

Our goal is to meet the credit needs of all qualified borrowers in a nondiscriminatory, timely manner. To accomplish this, we offer the following types of credit.

  • First Time Buyer Mortgages
  • Freddie Mac Mortgages
  • FMHA, FHA and VA Loans
  • Home Equity Loans
  • Home Improvement Loans
  • Residential Lot Loans
  • Residential Construction Loans

  • Agricultural Real Estate Mortgages
  • Livestock Loans
  • Farm Machinery Loans
  • Operating Loans

  • Commercial Mortgages
  • Commercial Operating Loans
  • Commercial Construction Loans
  • Construction Equipment Loans

  • Recreational Vehicle Loans
  • Mobile Home Loans
  • Auto Loans
  • Truck Loans
  • Personal Loans

To further educate the public and gather data about our communities' credit needs, we offer the following informational activities:

  • Officer's Call Program
  • Guest Lectures at Local Schools
  • Communities Advisory Committee

To reach all segments of our communities and inform them of what we have to offer, we use the following types of advertising media:

  • The Times
  • Homefinder Publication
  • Bulletins
  • Radio: WCMY, WSPY, WCSJ
  • Area Wide Phone Book
  • Yellow Pages
  • Communities Churches
  • High School Year Book and Sport Programs
  • Flyers
  • Direct Mail Program
  • Lobby Displays
  • Drive-up Window Envelopes
  • Email
  • and the Internet at www.firstottawa.com.

So we can better recognize your credit needs and aid in the development of our communities, we proudly contribute our time and lend our expertise to local organizations.

Should you have other credit needs not included in these lists or suggestions on how we can better serve you, please let us know. We'll do all we can to assist you in any way.

Joel Hambleton

Executive Vice President
Chief Mortgage Officer
NMLS #645753
Office: 815.434.0044 Ext. 264
Cell: 815.228.6280
Ottawa Main Bank

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Residential Real Estate Sales Manager
NMLS #646212
Office: 815.941.0044 Ext. 608
Cell: 815.326.0814
Morris National Bank & Trust

Mortgage Loan Originator
NMLS #579173
Office: 815.366.7230
Cell: 815.228.7087
Ottawa Main Bank

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Mortgage Loan Originator
NMLS #663776
Office: 815.672.2941
Cell: 815.252.3502
Streator National Bank

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Christina Lister

Certified Divorce Lending Professional (CDLP)
Mortgage Loan Originator
NMLS #1117253
Cell: 815.955.9970
Servicing Will County

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Heather Wilkinson

Mortgage Loan Originator
NMLS #1059732
Office: 630.553.1542 Ext. 704
Cell: 815.970.1739
Yorkville National Bank & Trust

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Mortgage Loan Originator
NMLS #1834288
Cell: 815.762.9744
Servicing Maple Park/Dekalb

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Gary R. Foltynewicz

Home Equity Specialist
Mortgage Loan Originator
NMLS #688549
Office: 815.434.0044 Ext. 607
Cell: 815.685.1542

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First Ottawa Bancshares, Inc. is the parent company of The First National Bank of Ottawa and its Branches: The First National Bank of Ottawa – Northfield, The First National Bank of Ottawa – Plaza,The First National Bank of Ottawa – South, Morris National Bank & Trust, Streator National Bank, Yorkville National Bank & Trust, and American Commercial Bank & Trust.

First Ottawa Financial Services is a division of The First National Bank of Ottawa

EMAIL NOTICE:  Please be aware that Internet E-mail is not a secure means of transmitting information. Private information such as Account Numbers and Social Security Numbers should not be included in your E-mail.


Main Bank
701 LaSalle St.
Ottawa, IL 61350
Phone: 815.434.0044
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