BlastPoint's Banking Scorecard
Community Partners Savings Bank
Micro
Specialty: Other
IL
FDIC cert 30819
Designations: ✓ Community bank ✓ Mutual
Salem, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Community Partners Savings Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 14.89% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$288.9M
+2.6% YoY
+2.3% QoQ
|
+$71.4M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
70% |
| Total Loans ? |
$131.3M
-1.9% YoY
-0.1% QoQ
|
-$7.9M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
54% |
| Total Deposits ? |
$225.1M
-3.0% YoY
+0.5% QoQ
|
+$41.4M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
66% |
| Return on Assets ? |
0.44%
+113.3% YoY
-4.5% QoQ
|
-0.64% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
16% |
| Net Interest Margin ? |
3.16%
+15.1% YoY
+0.6% QoQ
|
-0.69% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
21% |
| Efficiency Ratio ? |
82.05%
-11.5% YoY
-1.1% QoQ
|
+14.33% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
18% |
| Delinquency Rate ? |
1.62%
+108.0% YoY
-7.6% QoQ
|
+0.99% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
58.32%
+1.1% YoY
-0.6% QoQ
|
-16.21% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
11.21%
+7.0% YoY
-2.3% QoQ
|
-11.18% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 14% in tier |
| Nonperforming Asset Ratio ? |
0.78%
+109.7% YoY
-9.4% QoQ
|
+0.33% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
26% |
| Tier 1 Capital Ratio ? |
23.74%
+6.5% YoY
+0.4% QoQ
|
+14.89% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Top 8% in tier |
| Non-Interest Income / Assets ? |
0.36%
-9.7% YoY
+29.2% QoQ
|
-0.20% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
50% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
23.74%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (0)
No concerns identified
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
Tier 1 Capital Ratio
Current: 23.74% · Tier avg: 8.85%
78
78th pctile
Loan-to-Deposit Ratio
Current: 58.32% · Tier avg: 74.53%
70
70th pctile
Total Assets
Current: $288.9M · Tier avg: $217.5M
66
66th pctile
Total Deposits
Current: $225.1M · Tier avg: $183.7M
54
54th pctile
Total Loans
Current: $131.3M · Tier avg: $139.2M
50
50th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.78% · Tier avg: 0.45%
21
21th pctile
Net Interest Margin
Current: 3.16% · Tier avg: 3.85%
18
18th pctile
Efficiency Ratio
Current: 82.05% · Tier avg: 67.73%
17
17th pctile
Delinquency Rate
Current: 1.62% · Tier avg: 0.64%
16
16th pctile
Return on Assets
Current: 0.44% · Tier avg: 1.08%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.21% · Tier avg: 22.39%
Top Weaknesses
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.21% · Tier avg: 22.39%
16
16th pctile
Return on Assets
Current: 0.44% · Tier avg: 1.08%
17
17th pctile
Delinquency Rate
Current: 1.62% · Tier avg: 0.64%
18
18th pctile
Efficiency Ratio
Current: 82.05% · Tier avg: 67.73%
21
21th pctile
Net Interest Margin
Current: 3.16% · Tier avg: 3.85%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.78% · Tier avg: 0.45%
50
50th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
54
54th pctile
Total Loans
Current: $131.3M · Tier avg: $139.2M
66
66th pctile
Total Deposits
Current: $225.1M · Tier avg: $183.7M
70
70th pctile
Total Assets
Current: $288.9M · Tier avg: $217.5M
78
78th pctile
Loan-to-Deposit Ratio
Current: 58.32% · Tier avg: 74.53%
92
92th pctile
Tier 1 Capital Ratio
Current: 23.74% · Tier avg: 8.85%