BlastPoint's Banking Scorecard
Streator Home Savings Bank
Micro
Specialty: Other
IL
FDIC cert 30357
Designations: ✓ Community bank ✓ Mutual
Streator, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Streator Home Savings Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 36.67% below tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.15% below tier
- - Net Interest Margin 2.50% below tier
- - Efficiency Ratio 35.95% above tier
- - Non-Interest-Bearing Deposit Share 22.25% below tier
- - Non-Interest Income / Assets 0.53% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$154.8M
-2.2% YoY
-0.2% QoQ
|
-$62.7M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
39% |
| Total Loans ? |
$39.8M
+5.1% YoY
+2.1% QoQ
|
-$99.3M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
15% |
| Total Deposits ? |
$105.2M
-3.3% YoY
-2.9% QoQ
|
-$78.4M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
30% |
| Return on Assets ? |
-0.07%
+61.3% YoY
-54.8% QoQ
|
-1.15% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? |
1.36%
+17.6% YoY
+0.6% QoQ
|
-2.50% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
103.68%
-5.9% YoY
+1.9% QoQ
|
+35.95% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 4% in tier |
| Delinquency Rate ? |
1.43%
-15.3% YoY
+40.1% QoQ
|
+0.79% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
37.86%
+8.7% YoY
+5.1% QoQ
|
-36.67% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.14%
+31.1% YoY
+51.3% QoQ
|
-22.25% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
0.37%
-9.0% YoY
+43.4% QoQ
|
-0.09% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
45% |
| 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 ? |
0.03%
-20.6% YoY
+40.9% QoQ
|
-0.53% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 2% in tier |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
37.86%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (5)
Return on Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
-0.07%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 1%
in Micro
Why this stands out
Current:
1.36%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
103.68%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.14%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.03%
(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
95
95th pctile
Loan-to-Deposit Ratio
Current: 37.86% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.45%
39
39th pctile
Total Assets
Current: $154.8M · Tier avg: $217.5M
30
30th pctile
Total Deposits
Current: $105.2M · Tier avg: $183.7M
20
20th pctile
Delinquency Rate
Current: 1.43% · Tier avg: 0.64%
15
15th pctile
Total Loans
Current: $39.8M · Tier avg: $139.2M
6
6th pctile
Return on Assets
Current: -0.07% · Tier avg: 1.08%
4
4th pctile
Efficiency Ratio
Current: 103.68% · Tier avg: 67.73%
2
2th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.56%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.14% · Tier avg: 22.39%
1
1th pctile
Net Interest Margin
Current: 1.36% · Tier avg: 3.85%
Top Weaknesses
1
1th pctile
Net Interest Margin
Current: 1.36% · Tier avg: 3.85%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.14% · Tier avg: 22.39%
2
2th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.56%
4
4th pctile
Efficiency Ratio
Current: 103.68% · Tier avg: 67.73%
6
6th pctile
Return on Assets
Current: -0.07% · Tier avg: 1.08%
15
15th pctile
Total Loans
Current: $39.8M · Tier avg: $139.2M
20
20th pctile
Delinquency Rate
Current: 1.43% · Tier avg: 0.64%
30
30th pctile
Total Deposits
Current: $105.2M · Tier avg: $183.7M
39
39th pctile
Total Assets
Current: $154.8M · Tier avg: $217.5M
45
45th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
95
95th pctile
Loan-to-Deposit Ratio
Current: 37.86% · Tier avg: 74.53%