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.
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.
To further educate the public and gather data about our communities' credit needs, we offer the following informational activities:
To reach all segments of our communities and inform them of what we have to offer, we use the following types of advertising media:
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.
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