First Ottawa Bancshares, Inc. is a bank holding company. The Company’s principal activity is the ownership and management of its subsidiary, American Commercial Bank & Trust, National Association (the Bank). The Bank is primarily engaged in providing a full range of banking and financial services to individual and corporate customers in LaSalle, Grundy, Cook, and surrounding counties in Illinois. Its portfolio segments include commercial real estate, commercial non-real estate, construction, and land development, agricultural, residential, and consumer. The Bank's business banking includes business accounts, cash management, commercial lending, and farm management and agricultural lending. Its personal banking includes checking and savings, certificate of deposit and individual retirement accounts (IRAs), consumer lending, online and mobile banking, safe deposit boxes, and wealth management services. Its residential lending services include Residential Loans and Home Equity Loans.