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

2664 banks in the $100M-$1B peer group nationally 211 in IL

Central Savings, f.s.b. has 2 strengths but faces 6 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

+ Net Interest Margin 0.05% above tier average
+ Delinquency Rate 0.27% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 0.5% in tier
- Liquidity Strain: Bottom 18.0% in tier
- Non-Interest-Bearing Deposit Share 18.84% below tier average
- Non-Interest Income / Assets 0.27% below tier average
- ROA 0.53% below tier average
- Efficiency Ratio 9.00% above tier average

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

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$118.6M +2.7% YoY -5.7% QoQ	-$267.5M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Bottom 5.5% in tier
Total Loans ?	$94.9M -7.1% YoY -0.2% QoQ	-$160.8M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	18%
Total Deposits ?	$87.3M +10.5% YoY -7.3% QoQ	-$240.7M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Bottom 1.8% in tier
Return on Assets ?	0.74% +15.9% YoY +136.6% QoQ	-0.53%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	23%
Net Interest Margin ?	3.98% -1.3% YoY +1.9% QoQ	+0.05%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	56%
Efficiency Ratio ?	74.28% -3.4% YoY -16.0% QoQ	+9.00%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	24%
Delinquency Rate ?	0.62% -12.2% YoY -0.1% QoQ	-0.27%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	39%
Loan-to-Deposit Ratio ?	108.75% -15.9% YoY +7.7% QoQ	+32.12%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	Bottom 3.4% in tier
Non-Interest-Bearing Deposit Share ?	3.18% -21.6% YoY -15.2% QoQ	-18.84%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	Bottom 2.2% in tier
Nonperforming Asset Ratio ?	0.50% -20.6% YoY +5.6% QoQ	-0.14%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	38%
Tier 1 Capital Ratio ?	34.55% +10.4% YoY +2.1% QoQ	+18.72%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	Top 2.5% in tier
Non-Interest Income / Assets ?	0.01% +11.3% YoY -64.7% QoQ	-0.27%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	Bottom 1.2% in tier

Get Full Access to Central Savings, f.s.b.

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (2)

Liquidity Overhang

risk

#5 of 739 • Bottom 0.5% 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: 34.55%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 108.75%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#117 of 643 • Bottom 18.0% 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: 108.75%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

Tier 1 Capital Ratio

capital

Value: 34.55%

Peer Median: 15.83%

#67 of 2664 Top 2.5% in $100M-$1B

Top Weaknesses (8 metrics)

2634

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.28%

#2634 of 2664 Bottom 1.2% in $100M-$1B

2616

Total Deposits

size

Value: $87.27M

Peer Median: $327.97M

#2616 of 2664 Bottom 1.8% in $100M-$1B

2607

Non-Interest-Bearing Deposit Share

funding

Value: 3.18%

Peer Median: 22.02%

#2607 of 2664 Bottom 2.2% in $100M-$1B

2574

Loan-to-Deposit Ratio

liquidity

Value: 108.75%

Peer Median: 76.64%

#2574 of 2664 Bottom 3.4% in $100M-$1B

2519

Total Assets

size

Value: $118.57M

Peer Median: $386.08M

#2519 of 2664 Bottom 5.5% in $100M-$1B

2187

Total Loans

size

Value: $94.91M

Peer Median: $255.72M

#2187 of 2664 Bottom 17.9% in $100M-$1B

2060

Return on Assets

profitability

Value: 0.74%

Peer Median: 1.27%

#2060 of 2664 Bottom 22.7% in $100M-$1B

2035

Efficiency Ratio

profitability

Value: 74.28%

Peer Median: 65.29%

#2035 of 2664 Bottom 23.6% in $100M-$1B