BlastPoint's Banking Scorecard

Central Savings, f.s.b.

$100M-$1B Specialty: Commercial IL FDIC cert 27910

Designations: ✓ Mutual

Chicago, IL

2 branches across IL

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 211 in IL.
Deposits -9.2% year over year ($80.6M on the books).
Delinquency rate 0.58%.
Return on assets 0.49%.
Efficiency ratio 81.06% vs a 64.48% peer average.
Loan-to-deposit ratio 118.26% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL

View $100M-$1B leaderboard (IL) →

Central Savings, f.s.b. has 1 strength but faces 8 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.34% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 0.7% in tier
- Efficiency Drag: Bottom 14.1% in tier
- Deposit Outflow: Bottom 15.9% in tier
- Liquidity Strain: Bottom 19.1% in tier
- Capital Constraint: Bottom 94.4% in tier
- Non-Interest-Bearing Deposit Share 17.20% below tier average
- Non-Interest Income / Assets 0.56% below tier average
- ROA 0.83% below tier average

Get updates when Central Savings, f.s.b. releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$111.9M -10.2% YoY -5.6% QoQ	-$274.6M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	Bottom 3.2% in tier
Total Loans ?	$95.3M -9.7% YoY +0.4% QoQ	-$163.1M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	17%
Total Deposits ?	$80.6M -9.2% YoY -7.7% QoQ	-$246.2M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	Bottom 1.1% in tier
Return on Assets ?	0.49% -25.9% YoY -33.5% QoQ	-0.83%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	Bottom 11.9% in tier
Net Interest Margin ?	4.00% +0.4% YoY +0.6% QoQ	+0.02%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	53%
Efficiency Ratio ?	81.06% +6.4% YoY +9.1% QoQ	+16.58%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	Bottom 12.5% in tier
Delinquency Rate ?	0.58% -16.0% YoY -7.1% QoQ	-0.34%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	43%
Loan-to-Deposit Ratio ?	118.26% -0.6% YoY +8.7% QoQ	+40.31%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	Bottom 1.5% in tier
Non-Interest-Bearing Deposit Share ?	4.83% -4.3% YoY +52.0% QoQ	-17.20%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	Bottom 3.5% in tier
Nonperforming Asset Ratio ?	0.49% -15.5% YoY -1.2% QoQ	-0.18%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	40%
Tier 1 Capital Ratio ?	33.86% +11.4% YoY -2.0% QoQ	+17.95%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	Top 2.9% in tier
Non-Interest Income / Assets ?	0.01% -18.4% YoY +45.7% QoQ	-0.56%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	Bottom 1.0% in tier

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 (IL)	National Avg	Tier Percentile
Noninterest-Bearing	4.8% -0.2pp YoY +1.7pp QoQ	-17.3pp	22.1%	20.1%	22.2%	3%
Brokered Deposits	2.5% -10.9pp YoY -4.4pp QoQ	-5.4pp	7.9%	8.0%	8.5%	34%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	n/a	n/a	11.6%	14.7%	12.5%	n/a
CRE	n/a	n/a	39.5%	37.9%	41.4%	n/a
1-4 Family	33.7% +2.5pp YoY -0.2pp QoQ	+1.1pp	32.6%	28.3%	31.3%	59%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.0pp	4.1%	5.4%	5.0%	5%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	33.9% +3.5pp YoY -0.7pp QoQ	+15.0pp	18.8%	19.9%	19.7%	95%
Leverage Ratio	25.5% +1.7pp YoY +2.1pp QoQ	+13.3pp	12.2%	12.2%	12.6%	98%
Total Capital Ratio	35.1% +3.5pp YoY -0.7pp QoQ	+15.2pp	19.9%	20.9%	20.8%	95%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	20 0 YoY 0 QoQ	-39	58	228	482	11%
Assets per Employee ($)	$5.6M -10.2% YoY -5.6% QoQ	-$1.9M	$7.5M	$8.3M	$8.8M	25%
Branch Count	2 0 YoY 0 QoQ	-3	4	10	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	0.6% -0.1pp YoY 0.0pp QoQ	-0.4pp	0.9%	1.1%	1.0%	56%
Allowance Coverage	2.64x +27.4% YoY +7.3% QoQ	-21.52x	24.15x	5.62x	20.23x	55%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	2.0% -0.7pp YoY -1.1pp QoQ	-10.2pp	12.2%	10.5%	11.6%	6%
Cost of Funds (YTD)	2.2% -0.1pp YoY -0.1pp QoQ	+0.4pp	1.7%	1.6%	1.7%	79%
Net Income ($, YTD)	$291,000 -24.8% YoY — QoQ	-$2.3M	$2.6M	$11.7M	$40.4M	6%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (5)

Liquidity Overhang

risk

#6 of 742 • Bottom 0.7% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 33.86%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 118.26%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ

Efficiency Drag

risk

#52 of 361 • Bottom 14.1% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 81.06%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ

Deposit Outflow

decline

#86 of 535 • Bottom 15.9% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ

Liquidity Strain

risk

#133 of 691 • Bottom 19.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 118.26%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

Capital Constraint

risk

#102 of 107 • Bottom 94.4% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 118.26%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

Tier 1 Capital Ratio: 33.86%

(Tier: 15.91%, National: 17.09%)

better than tier avg

107 of 107 Community banks match · 143 nationally

→ Stable -5 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

Tier 1 Capital Ratio

capital

Value: 33.86%

Peer Median: 15.91%

#77 of 2643 Top 2.9% in $100M-$1B

Top Weaknesses (8 metrics)

2617

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.57%

#2617 of 2643 Bottom 1.0% in $100M-$1B

2616

Total Deposits

size

Value: $80.56M

Peer Median: $326.73M

#2616 of 2643 Bottom 1.1% in $100M-$1B

2604

Loan-to-Deposit Ratio

liquidity

Value: 118.26%

Peer Median: 77.95%

#2604 of 2643 Bottom 1.5% in $100M-$1B

2559

Total Assets

size

Value: $111.93M

Peer Median: $386.57M

#2559 of 2643 Bottom 3.2% in $100M-$1B

2551

Non-Interest-Bearing Deposit Share

funding

Value: 4.83%

Peer Median: 22.03%

#2551 of 2643 Bottom 3.5% in $100M-$1B

2329

Return on Assets

profitability

Value: 0.49%

Peer Median: 1.32%

#2329 of 2643 Bottom 11.9% in $100M-$1B

2314

Efficiency Ratio

profitability

Value: 81.06%

Peer Median: 64.48%

#2314 of 2643 Bottom 12.5% in $100M-$1B

2193

Total Loans

size

Value: $95.27M

Peer Median: $258.35M

#2193 of 2643 Bottom 17.1% in $100M-$1B