Ottawa Bancorp, Inc. operates as a holding company, which offers residential real estate mortgage loans and home equity lines of credit and to a lesser extent, non-residential real estate, multi-family, and construction loans. It also provides commercial and industrial loans and other consumer loans. It operates through the following segments: One-to-four Family Residential, Multi-Family, Non-Residential, Commercial, and Consumer Direct. The company was founded on August 21, 1871, and is headquartered in Ottawa, IL.