BlastPoint's Banking Scorecard
Community Savings Bank
Micro
Specialty: Other
IL
FDIC cert 28841
Designations: ✓ Community bank ✓ Mutual
Chicago, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Community Savings Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.57% below tier
- - Net Interest Margin 1.85% below tier
- - Efficiency Ratio 60.44% above tier
- - Non-Interest-Bearing Deposit Share 20.98% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$409.5M
-0.8% YoY
-0.7% QoQ
|
+$192.0M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Top 11% in tier |
| Total Loans ? |
$226.0M
-0.1% YoY
+0.7% QoQ
|
+$86.9M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
80% |
| Total Deposits ? |
$360.6M
-1.6% YoY
-0.9% QoQ
|
+$176.9M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Top 8% in tier |
| Return on Assets ? |
-0.48%
+31.9% YoY
-0.5% QoQ
|
-1.57% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 4% in tier |
| Net Interest Margin ? |
2.01%
+33.0% YoY
+3.4% QoQ
|
-1.85% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 2% in tier |
| Efficiency Ratio ? |
128.16%
-18.6% YoY
-2.5% QoQ
|
+60.44% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
0.21%
+41.6% YoY
+96.6% QoQ
|
-0.43% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
62.69%
+1.6% YoY
+1.5% QoQ
|
-11.84% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
1.41%
-15.0% YoY
-30.8% QoQ
|
-20.98% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
0.12%
+42.6% YoY
+99.3% QoQ
|
-0.34% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
65% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.12%
+9.2% YoY
+33.9% QoQ
|
-0.44% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 11% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Return on Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
-0.48%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 2%
in Micro
Why this stands out
Current:
2.01%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
128.16%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Why this stands out
Current:
1.41%
(Tier avg: 22.39%, National avg: 21.79%)
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
92
92th pctile
Total Deposits
Current: $360.6M · Tier avg: $183.7M
89
89th pctile
Total Assets
Current: $409.5M · Tier avg: $217.5M
80
80th pctile
Total Loans
Current: $226.0M · Tier avg: $139.2M
65
65th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
61
61th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
27
27th pctile
Loan-to-Deposit Ratio
Current: 62.69% · Tier avg: 74.53%
11
11th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
4
4th pctile
Return on Assets
Current: -0.48% · Tier avg: 1.08%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 1.41% · Tier avg: 22.39%
2
2th pctile
Net Interest Margin
Current: 2.01% · Tier avg: 3.85%
1
1th pctile
Efficiency Ratio
Current: 128.16% · Tier avg: 67.73%
Top Weaknesses
1
1th pctile
Efficiency Ratio
Current: 128.16% · Tier avg: 67.73%
2
2th pctile
Net Interest Margin
Current: 2.01% · Tier avg: 3.85%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 1.41% · Tier avg: 22.39%
4
4th pctile
Return on Assets
Current: -0.48% · Tier avg: 1.08%
11
11th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
27
27th pctile
Loan-to-Deposit Ratio
Current: 62.69% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
61
61th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.64%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
80
80th pctile
Total Loans
Current: $226.0M · Tier avg: $139.2M
89
89th pctile
Total Assets
Current: $409.5M · Tier avg: $217.5M
92
92th pctile
Total Deposits
Current: $360.6M · Tier avg: $183.7M