BlastPoint's Banking Scorecard
The Federal Savings Bank
Community
Specialty: Mortgage
IL
FDIC cert 35518
Chicago, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
The Federal Savings Bank has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 29% in Community
- + Loan-to-Deposit Ratio 38.19% above tier
- + Tier 1 Capital Ratio 9.11% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 8% in Community
- - Efficiency Ratio 31.58% above tier
- - Delinquency Rate 2.75% above tier
- - Nonperforming Asset Ratio 2.49% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
-3.5% YoY
-3.3% QoQ
|
-$252.8M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
57% |
| Total Loans ? |
$1.0B
+2.4% YoY
-4.7% QoQ
|
+$28.1M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
68% |
| Total Deposits ? |
$827.7M
+6.8% YoY
+6.5% QoQ
|
-$336.9M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
49% |
| Return on Assets ? |
0.69%
+75.5% YoY
-4.5% QoQ
|
-0.48% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
19% |
| Net Interest Margin ? |
3.37%
+8.6% YoY
+1.8% QoQ
|
-0.30% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
34% |
| Efficiency Ratio ? |
94.22%
-1.4% YoY
-0.1% QoQ
|
+31.58% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 2% in tier |
| Delinquency Rate ? |
3.38%
+85.9% YoY
+50.0% QoQ
|
+2.75% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
121.26%
-4.1% YoY
-10.4% QoQ
|
+38.19% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.35%
+7.9% YoY
-1.5% QoQ
|
-10.69% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 11% in tier |
| Nonperforming Asset Ratio ? |
2.99%
+96.2% YoY
+45.8% QoQ
|
+2.49% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
19.36%
+8.5% YoY
+8.1% QoQ
|
+9.11% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Top 8% in tier |
| Non-Interest Income / Assets ? |
15.20%
+8.0% YoY
+37.3% QoQ
|
+14.47% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (3)
Revenue Diversifier
growth
#108 of 371 · Top 29% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
15.20%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
0.69%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Loan-to-Deposit Ratio
metric
Top 1%
in Community
Why this stands out
Current:
121.26%
(Tier avg: 83.06%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 8%
in Community
Why this stands out
Current:
19.36%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (4)
Liquidity Overhang
risk
#22 of 268 · Bottom 8% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
19.36%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
121.26%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Efficiency Ratio
metric
Bottom 2%
in Community
Why this stands out
Current:
94.22%
(Tier avg: 62.63%, National avg: 65.09%)
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
3.38%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
2.99%
(Tier avg: 0.50%, National avg: 0.48%)
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
Non-Interest Income / Assets
Current: 15.20% · Tier avg: 0.74%
99
99th pctile
Loan-to-Deposit Ratio
Current: 121.26% · Tier avg: 83.06%
92
92th pctile
Tier 1 Capital Ratio
Current: 19.36% · Tier avg: 10.24%
68
68th pctile
Total Loans
Current: $1.0B · Tier avg: $975.5M
57
57th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
49
49th pctile
Total Deposits
Current: $827.7M · Tier avg: $1.2B
34
34th pctile
Net Interest Margin
Current: 3.37% · Tier avg: 3.66%
19
19th pctile
Return on Assets
Current: 0.69% · Tier avg: 1.16%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 10.35% · Tier avg: 21.05%
2
2th pctile
Efficiency Ratio
Current: 94.22% · Tier avg: 62.63%
0
0th pctile
Delinquency Rate
Current: 3.38% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.99% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.99% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 3.38% · Tier avg: 0.63%
2
2th pctile
Efficiency Ratio
Current: 94.22% · Tier avg: 62.63%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 10.35% · Tier avg: 21.05%
19
19th pctile
Return on Assets
Current: 0.69% · Tier avg: 1.16%
34
34th pctile
Net Interest Margin
Current: 3.37% · Tier avg: 3.66%
49
49th pctile
Total Deposits
Current: $827.7M · Tier avg: $1.2B
57
57th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
68
68th pctile
Total Loans
Current: $1.0B · Tier avg: $975.5M
92
92th pctile
Tier 1 Capital Ratio
Current: 19.36% · Tier avg: 10.24%
99
99th pctile
Loan-to-Deposit Ratio
Current: 121.26% · Tier avg: 83.06%
100
100th pctile
Non-Interest Income / Assets
Current: 15.20% · Tier avg: 0.74%