BlastPoint's Banking Scorecard
First Savings Bank of Hegewisch
Community
Specialty: Mortgage
IL
FDIC cert 29809
Designations: ✓ Mutual
Chicago, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
First Savings Bank of Hegewisch has 2 strengths but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 4% in Community
- + Loan-to-Deposit Ratio 29.84% below tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 4% in Community
- - Credit Quality Pressure: Bottom 17% in Community
- - Return on Assets 1.14% below tier
- - Net Interest Margin 2.04% below tier
- - Efficiency Ratio 36.57% above tier
- - Non-Interest Income / Assets 0.58% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$794.4M
-2.8% YoY
-1.1% QoQ
|
-$597.0M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
35% |
| Total Loans ? |
$359.0M
-4.0% YoY
-1.9% QoQ
|
-$616.5M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 9% in tier |
| Total Deposits ? |
$674.4M
-3.4% YoY
-1.3% QoQ
|
-$490.2M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
36% |
| Return on Assets ? |
0.02%
+124.8% YoY
+5.6% QoQ
|
-1.14% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 3% in tier |
| Net Interest Margin ? |
1.62%
+20.9% YoY
+2.6% QoQ
|
-2.04% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
99.20%
-10.1% YoY
-0.2% QoQ
|
+36.57% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
0.14%
+107.6% YoY
+171.0% QoQ
|
-0.48% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
53.22%
-0.7% YoY
-0.6% QoQ
|
-29.84% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.12%
+6.3% YoY
+0.2% QoQ
|
-10.93% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 10% in tier |
| Nonperforming Asset Ratio ? |
0.06%
+105.0% YoY
+168.9% QoQ
|
-0.43% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
84% |
| 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 ? |
0.16%
+0.4% YoY
+38.2% QoQ
|
-0.58% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 7% in tier |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#15 of 371 · Top 4% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.14%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Loan-to-Deposit Ratio
metric
Top 5%
in Community
Why this stands out
Current:
53.22%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (6)
Capital Thin
risk
#20 of 432 · Bottom 4% 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 Quality Pressure
risk
#139 of 808 · Bottom 17% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.14%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Return on Assets
metric
Bottom 3%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 1%
in Community
Why this stands out
Current:
1.62%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
99.20%
(Tier avg: 62.63%, National avg: 65.09%)
Non-Interest Income / Assets
metric
Bottom 7%
in Community
Why this stands out
Current:
0.16%
(Tier avg: 0.74%, 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
95
95th pctile
Loan-to-Deposit Ratio
Current: 53.22% · Tier avg: 83.06%
84
84th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.50%
77
77th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.63%
36
36th pctile
Total Deposits
Current: $674.4M · Tier avg: $1.2B
35
35th pctile
Total Assets
Current: $794.4M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 10.12% · Tier avg: 21.05%
9
9th pctile
Total Loans
Current: $359.0M · Tier avg: $975.5M
7
7th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.74%
3
3th pctile
Return on Assets
Current: 0.02% · Tier avg: 1.16%
1
1th pctile
Efficiency Ratio
Current: 99.20% · Tier avg: 62.63%
1
1th pctile
Net Interest Margin
Current: 1.62% · Tier avg: 3.66%
Top Weaknesses
1
1th pctile
Net Interest Margin
Current: 1.62% · Tier avg: 3.66%
1
1th pctile
Efficiency Ratio
Current: 99.20% · Tier avg: 62.63%
3
3th pctile
Return on Assets
Current: 0.02% · Tier avg: 1.16%
7
7th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.74%
9
9th pctile
Total Loans
Current: $359.0M · Tier avg: $975.5M
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 10.12% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
35
35th pctile
Total Assets
Current: $794.4M · Tier avg: $1.4B
36
36th pctile
Total Deposits
Current: $674.4M · Tier avg: $1.2B
77
77th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.63%
84
84th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.50%
95
95th pctile
Loan-to-Deposit Ratio
Current: 53.22% · Tier avg: 83.06%