First Ottawa Bancshares, Inc. is a bank holding company. The Company operates through its subsidiary, The First National Bank ... of Ottawa (the Bank). The Bank operates as a community bank, and provides personal and business banking services its customers. The Bank offers a range of mortgages, such as fixed rate mortgages, adjustable rate mortgages, home equity loans, low or no down payment, Federal Housing Administration (FHA), the United States Department of Veterans Affairs (VA) and Rural Housing (the United States Department of Agriculture (USDA)) loans. The Bank provides various loans within its business banking services, which include commercial lines of credit, commercial loans, commercial construction and development loans, real estate loans and letters of credit. The Bank offers a range of personal checking accounts, savings accounts and health savings accounts (HSA). read more