Ottawa Bancorp, Inc. OTTW

Company Overview

Ottawa Bancorp, Inc. is a federally regulated bank holding company operating in the community banking and financial services industries. The company conducts substantially all of its business through its wholly owned subsidiary, Ottawa Savings Bank, FSB, which provides traditional retail banking products and services. Ottawa Bancorp’s primary revenue drivers are net interest income from residential mortgage lending and consumer loans, along with service fees generated from deposit accounts.

The company primarily serves individual consumers, families, and small businesses within its local market, positioning itself as a relationship-focused community bank. Its strategic advantage lies in long-standing local market presence, conservative credit practices, and a focus on residential mortgage origination and portfolio lending. Ottawa Savings Bank was originally founded in 1871, and Ottawa Bancorp, Inc. was formed in 2014 as part of a mutual-to-stock conversion, enabling broader access to capital while retaining its community banking model.