BlastPoint's Banking Scorecard
Eureka Savings Bank
Micro
Specialty: Other
IL
FDIC cert 28401
Designations: ✓ Community bank ✓ Mutual
La Salle, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Eureka Savings Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 28.63% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$431.5M
+4.5% YoY
+2.1% QoQ
|
+$214.0M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Top 8% in tier |
| Total Loans ? |
$264.1M
+6.4% YoY
+4.4% QoQ
|
+$125.0M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Top 13% in tier |
| Total Deposits ? |
$316.9M
+4.1% YoY
+2.4% QoQ
|
+$133.2M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
84% |
| Return on Assets ? |
1.01%
+4.1% YoY
-4.1% QoQ
|
-0.08% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
47% |
| Net Interest Margin ? |
3.05%
+6.4% YoY
+1.5% QoQ
|
-0.80% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
18% |
| Efficiency Ratio ? |
59.84%
-3.8% YoY
+0.1% QoQ
|
-7.89% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
68% |
| Delinquency Rate ? |
0.90%
-12.5% YoY
-4.8% QoQ
|
+0.26% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
83.35%
+2.2% YoY
+2.0% QoQ
|
+8.83% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
9.75%
+17.4% YoY
+23.5% QoQ
|
-12.64% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 11% in tier |
| Nonperforming Asset Ratio ? |
0.55%
-10.9% YoY
-2.6% QoQ
|
+0.10% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
35% |
| Tier 1 Capital Ratio ? |
37.48%
+2.1% YoY
-4.9% QoQ
|
+28.63% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Top 2% in tier |
| Non-Interest Income / Assets ? |
0.22%
-9.8% YoY
+33.9% QoQ
|
-0.35% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
26% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
37.48%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (0)
No concerns identified
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
98
98th pctile
Tier 1 Capital Ratio
Current: 37.48% · Tier avg: 8.85%
92
92th pctile
Total Assets
Current: $431.5M · Tier avg: $217.5M
87
87th pctile
Total Loans
Current: $264.1M · Tier avg: $139.2M
84
84th pctile
Total Deposits
Current: $316.9M · Tier avg: $183.7M
68
68th pctile
Efficiency Ratio
Current: 59.84% · Tier avg: 67.73%
47
47th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.08%
35
35th pctile
Loan-to-Deposit Ratio
Current: 83.35% · Tier avg: 74.53%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.55% · Tier avg: 0.45%
32
32th pctile
Delinquency Rate
Current: 0.90% · Tier avg: 0.64%
26
26th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.56%
18
18th pctile
Net Interest Margin
Current: 3.05% · Tier avg: 3.85%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 9.75% · Tier avg: 22.39%
Top Weaknesses
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 9.75% · Tier avg: 22.39%
18
18th pctile
Net Interest Margin
Current: 3.05% · Tier avg: 3.85%
26
26th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.56%
32
32th pctile
Delinquency Rate
Current: 0.90% · Tier avg: 0.64%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.55% · Tier avg: 0.45%
35
35th pctile
Loan-to-Deposit Ratio
Current: 83.35% · Tier avg: 74.53%
47
47th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.08%
68
68th pctile
Efficiency Ratio
Current: 59.84% · Tier avg: 67.73%
84
84th pctile
Total Deposits
Current: $316.9M · Tier avg: $183.7M
87
87th pctile
Total Loans
Current: $264.1M · Tier avg: $139.2M
92
92th pctile
Total Assets
Current: $431.5M · Tier avg: $217.5M
98
98th pctile
Tier 1 Capital Ratio
Current: 37.48% · Tier avg: 8.85%