BlastPoint's Banking Scorecard
Central Savings, f.s.b.
Micro
Specialty: Commercial
IL
FDIC cert 27910
Designations: ✓ Community bank ✓ Mutual
Chicago, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Central Savings, f.s.b. has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 26.47% above tier
- + Tier 1 Capital Ratio 24.99% above tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 18.64% below tier
- - Non-Interest Income / Assets 0.54% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$125.7M
+13.2% YoY
-3.3% QoQ
|
-$91.8M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
30% |
| Total Loans ? |
$95.1M
-1.9% YoY
-9.7% QoQ
|
-$44.0M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
41% |
| Total Deposits ? |
$94.2M
+22.9% YoY
-1.3% QoQ
|
-$89.5M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
27% |
| Return on Assets ? |
0.31%
+22.1% YoY
-53.4% QoQ
|
-0.77% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 13% in tier |
| Net Interest Margin ? |
3.91%
-3.7% YoY
+0.7% QoQ
|
+0.05% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
54% |
| Efficiency Ratio ? |
88.44%
-4.1% YoY
+18.1% QoQ
|
+20.71% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 10% in tier |
| Delinquency Rate ? |
0.62%
-17.2% YoY
+8.4% QoQ
|
-0.02% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
101.00%
-20.2% YoY
-8.6% QoQ
|
+26.47% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
3.75%
-28.2% YoY
-29.0% QoQ
|
-18.64% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| Nonperforming Asset Ratio ? |
0.47%
-28.2% YoY
+1.2% QoQ
|
+0.02% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
39% |
| Tier 1 Capital Ratio ? |
33.84%
+3.9% YoY
+12.1% QoQ
|
+24.99% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Top 3% in tier |
| Non-Interest Income / Assets ? |
0.02%
-11.6% YoY
+30.6% QoQ
|
-0.54% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
101.00%
(Tier avg: 74.53%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
33.84%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (2)
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Micro
Why this stands out
Current:
3.75%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
0.02%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Tier 1 Capital Ratio
Current: 33.84% · Tier avg: 8.85%
92
92th pctile
Loan-to-Deposit Ratio
Current: 101.00% · Tier avg: 74.53%
54
54th pctile
Net Interest Margin
Current: 3.91% · Tier avg: 3.85%
41
41th pctile
Total Loans
Current: $95.1M · Tier avg: $139.2M
40
40th pctile
Delinquency Rate
Current: 0.62% · Tier avg: 0.64%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.47% · Tier avg: 0.45%
30
30th pctile
Total Assets
Current: $125.7M · Tier avg: $217.5M
27
27th pctile
Total Deposits
Current: $94.2M · Tier avg: $183.7M
13
13th pctile
Return on Assets
Current: 0.31% · Tier avg: 1.08%
10
10th pctile
Efficiency Ratio
Current: 88.44% · Tier avg: 67.73%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 3.75% · Tier avg: 22.39%
1
1th pctile
Non-Interest Income / Assets
Current: 0.02% · Tier avg: 0.56%
Top Weaknesses
1
1th pctile
Non-Interest Income / Assets
Current: 0.02% · Tier avg: 0.56%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 3.75% · Tier avg: 22.39%
10
10th pctile
Efficiency Ratio
Current: 88.44% · Tier avg: 67.73%
13
13th pctile
Return on Assets
Current: 0.31% · Tier avg: 1.08%
27
27th pctile
Total Deposits
Current: $94.2M · Tier avg: $183.7M
30
30th pctile
Total Assets
Current: $125.7M · Tier avg: $217.5M
39
39th pctile
Nonperforming Asset Ratio
Current: 0.47% · Tier avg: 0.45%
40
40th pctile
Delinquency Rate
Current: 0.62% · Tier avg: 0.64%
41
41th pctile
Total Loans
Current: $95.1M · Tier avg: $139.2M
54
54th pctile
Net Interest Margin
Current: 3.91% · Tier avg: 3.85%
92
92th pctile
Loan-to-Deposit Ratio
Current: 101.00% · Tier avg: 74.53%
97
97th pctile
Tier 1 Capital Ratio
Current: 33.84% · Tier avg: 8.85%