BlastPoint's Banking Scorecard
Lisle Savings Bank
Community
Specialty: Mortgage
IL
FDIC cert 29800
Designations: ✓ Mutual
Lisle, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Lisle Savings Bank faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 6% in Community
- - Credit Risk Growth: Bottom 12% in Community
- - Efficiency Drag: Bottom 32% in Community
- - Return on Assets 0.88% below tier
- - Net Interest Margin 1.73% below tier
- - Non-Interest-Bearing Deposit Share 17.15% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$544.9M
-2.2% YoY
+1.3% QoQ
|
-$846.5M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 7% in tier |
| Total Loans ? |
$285.3M
+2.7% YoY
+1.8% QoQ
|
-$690.2M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 4% in tier |
| Total Deposits ? |
$386.1M
+0.4% YoY
+1.6% QoQ
|
-$778.5M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? |
0.29%
-11.4% YoY
-5.9% QoQ
|
-0.88% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? |
1.94%
+5.7% YoY
+2.1% QoQ
|
-1.73% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
86.06%
+0.5% YoY
+1.0% QoQ
|
+23.42% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 5% in tier |
| Delinquency Rate ? |
1.46%
+12.3% YoY
+1.9% QoQ
|
+0.83% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
73.89%
+2.3% YoY
+0.2% QoQ
|
-9.18% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
3.89%
+12.9% YoY
+23.8% QoQ
|
-17.15% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 3% in tier |
| Nonperforming Asset Ratio ? |
0.76%
+18.0% YoY
+2.4% QoQ
|
+0.26% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
27% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.38%
-10.4% YoY
+17.5% QoQ
|
-0.36% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
33% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (6)
Capital Thin
risk
#27 of 432 · Bottom 6% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#76 of 642 · Bottom 12% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Efficiency Drag
risk
#50 of 152 · Bottom 32% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
86.06%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 6%
in Community
Why this stands out
Current:
0.29%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 1%
in Community
Why this stands out
Current:
1.94%
(Tier avg: 3.66%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 3%
in Community
Why this stands out
Current:
3.89%
(Tier avg: 21.05%, 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
74
74th pctile
Loan-to-Deposit Ratio
Current: 73.89% · Tier avg: 83.06%
33
33th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.76% · Tier avg: 0.50%
16
16th pctile
Delinquency Rate
Current: 1.46% · Tier avg: 0.63%
7
7th pctile
Total Assets
Current: $544.9M · Tier avg: $1.4B
6
6th pctile
Return on Assets
Current: 0.29% · Tier avg: 1.16%
5
5th pctile
Efficiency Ratio
Current: 86.06% · Tier avg: 62.63%
4
4th pctile
Total Loans
Current: $285.3M · Tier avg: $975.5M
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 3.89% · Tier avg: 21.05%
1
1th pctile
Net Interest Margin
Current: 1.94% · Tier avg: 3.66%
1
1th pctile
Total Deposits
Current: $386.1M · Tier avg: $1.2B
Top Weaknesses
1
1th pctile
Total Deposits
Current: $386.1M · Tier avg: $1.2B
1
1th pctile
Net Interest Margin
Current: 1.94% · Tier avg: 3.66%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 3.89% · Tier avg: 21.05%
4
4th pctile
Total Loans
Current: $285.3M · Tier avg: $975.5M
5
5th pctile
Efficiency Ratio
Current: 86.06% · Tier avg: 62.63%
6
6th pctile
Return on Assets
Current: 0.29% · Tier avg: 1.16%
7
7th pctile
Total Assets
Current: $544.9M · Tier avg: $1.4B
16
16th pctile
Delinquency Rate
Current: 1.46% · Tier avg: 0.63%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.76% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
33
33th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.74%
74
74th pctile
Loan-to-Deposit Ratio
Current: 73.89% · Tier avg: 83.06%