BlastPoint's Banking Scorecard
Nashville Savings Bank
Micro
Specialty: Commercial
IL
FDIC cert 29677
Designations: ✓ Community bank ✓ Mutual
Nashville, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Nashville Savings Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 19.56% below tier
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.52% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$104.2M
+6.7% YoY
+2.5% QoQ
|
-$113.3M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
24% |
| Total Loans ? |
$67.4M
+4.8% YoY
+0.9% QoQ
|
-$71.8M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
28% |
| Total Deposits ? |
$90.7M
+5.8% YoY
+2.6% QoQ
|
-$93.0M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
26% |
| Return on Assets ? |
1.21%
+7.6% YoY
-2.1% QoQ
|
+0.12% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
59% |
| Net Interest Margin ? |
3.24%
+2.6% YoY
+0.8% QoQ
|
-0.61% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
23% |
| Efficiency Ratio ? |
48.17%
+0.3% YoY
+5.0% QoQ
|
-19.56% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Top 8% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
74.30%
-0.9% YoY
-1.6% QoQ
|
-0.22% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
10.40%
-7.3% YoY
+8.0% QoQ
|
-11.99% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 12% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| 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 ? |
0.04%
+17.2% YoY
+21.9% QoQ
|
-0.52% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 2% in tier |
Signature Analysis
Strengths (3)
Efficiency Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
48.17%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.04%
(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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
92
92th pctile
Efficiency Ratio
Current: 48.17% · Tier avg: 67.73%
59
59th pctile
Return on Assets
Current: 1.21% · Tier avg: 1.08%
54
54th pctile
Loan-to-Deposit Ratio
Current: 74.30% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
28
28th pctile
Total Loans
Current: $67.4M · Tier avg: $139.2M
26
26th pctile
Total Deposits
Current: $90.7M · Tier avg: $183.7M
24
24th pctile
Total Assets
Current: $104.2M · Tier avg: $217.5M
23
23th pctile
Net Interest Margin
Current: 3.24% · Tier avg: 3.85%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 10.40% · Tier avg: 22.39%
2
2th pctile
Non-Interest Income / Assets
Current: 0.04% · Tier avg: 0.56%
Top Weaknesses
2
2th pctile
Non-Interest Income / Assets
Current: 0.04% · Tier avg: 0.56%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 10.40% · Tier avg: 22.39%
23
23th pctile
Net Interest Margin
Current: 3.24% · Tier avg: 3.85%
24
24th pctile
Total Assets
Current: $104.2M · Tier avg: $217.5M
26
26th pctile
Total Deposits
Current: $90.7M · Tier avg: $183.7M
28
28th pctile
Total Loans
Current: $67.4M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
54
54th pctile
Loan-to-Deposit Ratio
Current: 74.30% · Tier avg: 74.53%
59
59th pctile
Return on Assets
Current: 1.21% · Tier avg: 1.08%
92
92th pctile
Efficiency Ratio
Current: 48.17% · Tier avg: 67.73%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%