BlastPoint's Banking Scorecard
The Libertyville Savings Bank
Fairfield, IA
6 branches across IA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
- Deposits -3.8% year over year ($299.1M on the books).
- Delinquency rate 0.91%.
- Return on assets 1.49%.
- Efficiency ratio 62.10% vs a 64.48% peer average.
- Loan-to-deposit ratio 75.27% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Libertyville Savings Bank demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.16% above tier average
- + Net Interest Margin 0.31% above tier average
- + Efficiency Ratio 2.38% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$384.1M
-1.2% YoY
-2.5% QoQ
|
-$2.4M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
59% |
| Total Loans ? |
$225.1M
-6.5% YoY
+0.1% QoQ
|
-$33.3M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
53% |
| Total Deposits ? |
$299.1M
-3.8% YoY
-4.4% QoQ
|
-$27.7M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
55% |
| Return on Assets ? |
1.49%
+105.4% YoY
+5.6% QoQ
|
+0.16% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
65% |
| Net Interest Margin ? |
4.30%
+9.1% YoY
+0.7% QoQ
|
+0.31% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
70% |
| Efficiency Ratio ? |
62.10%
-2.1% YoY
-4.3% QoQ
|
-2.38% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
51% |
| Delinquency Rate ? |
0.91%
-54.5% YoY
-19.3% QoQ
|
-0.01% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
75.27%
-2.8% YoY
+4.8% QoQ
|
-2.69% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
21.21%
+5.7% YoY
+3.5% QoQ
|
-0.82% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
51% |
| Nonperforming Asset Ratio ? |
0.53%
-56.9% YoY
-17.1% QoQ
|
-0.13% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
38% |
| Tier 1 Capital Ratio ? |
15.62%
+11.5% YoY
+4.1% QoQ
|
-0.29% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.13%
+5.9% YoY
+108.1% QoQ
|
-0.44% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
27% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
21.2%
+1.1pp YoY +0.7pp QoQ |
-0.9pp | 22.1% | 17.8% | 22.2% | 51% |
| Brokered Deposits | n/a | n/a | 7.9% | 6.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
18.6%
-0.8pp YoY -0.4pp QoQ |
+7.1pp | 11.6% | 12.8% | 12.5% | 86% |
| CRE |
11.7%
0.0pp YoY +1.1pp QoQ |
-27.9pp | 39.5% | 28.3% | 41.4% | 6% |
| 1-4 Family |
19.7%
+1.0pp YoY -0.7pp QoQ |
-12.9pp | 32.6% | 23.0% | 31.3% | 29% |
| Consumer |
1.4%
-0.2pp YoY 0.0pp QoQ |
-2.7pp | 4.1% | 2.9% | 5.0% | 38% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.6%
+1.6pp YoY +0.6pp QoQ |
-3.2pp | 18.8% | 15.4% | 19.7% | 55% |
| Leverage Ratio |
11.0%
+0.5pp YoY +0.1pp QoQ |
-1.1pp | 12.2% | 12.4% | 12.6% | 51% |
| Total Capital Ratio |
16.6%
+1.6pp YoY +0.6pp QoQ |
-3.4pp | 19.9% | 16.5% | 20.8% | 53% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
48
-2 (-4.0%) YoY 0 QoQ |
-11 | 58 | 64 | 482 | 50% |
| Assets per Employee ($) |
$8.0M
+3.0% YoY -2.5% QoQ |
+$484K | $7.5M | $8.9M | $8.8M | 68% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 5 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.2pp YoY -0.3pp QoQ |
-0.2pp | 0.3% | 0.4% | 0.4% | 47% |
| Nonaccrual |
0.8%
-0.9pp YoY 0.0pp QoQ |
-0.1pp | 0.9% | 1.0% | 1.0% | 67% |
| Allowance Coverage |
1.25x
+116.2% YoY +18.9% QoQ |
-22.90x | 24.15x | 18.97x | 20.23x | 34% |
| Net Charge-off Rate (YTD) |
0.1%
-0.4pp YoY +0.1pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 75% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.3%
+6.0pp YoY +0.5pp QoQ |
+1.1pp | 12.2% | 12.8% | 11.6% | 58% |
| Cost of Funds (YTD) |
1.4%
-0.2pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.8% | 1.7% | 33% |
| Net Income ($, YTD) |
$2.9M
+103.5% YoY — QoQ |
+$333K | $2.6M | $4.0M | $40.4M | 68% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.