BlastPoint's Banking Scorecard
Eureka Savings Bank
Designations: ✓ Mutual
La Salle, IL
5 branches across IL
Eureka Savings Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 7.31% below tier average
- + Delinquency Rate 0.07% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 6.6% in tier
- - Non-Interest-Bearing Deposit Share 13.18% below tier average
- - ROA 0.32% below tier average
- - Net Interest Margin 0.72% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$439.4M
+4.3% YoY
+1.8% QoQ
|
+$53.3M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
66% |
| Total Loans ? |
$264.9M
+7.7% YoY
+0.3% QoQ
|
+$9.1M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
62% |
| Total Deposits ? |
$324.2M
+4.0% YoY
+2.3% QoQ
|
-$3.8M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
59% |
| Return on Assets ? |
0.95%
+0.9% YoY
-5.7% QoQ
|
-0.32% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
35% |
| Net Interest Margin ? |
3.21%
+11.6% YoY
+5.2% QoQ
|
-0.72% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
18% |
| Efficiency Ratio ? |
57.97%
-9.5% YoY
-3.1% QoQ
|
-7.31% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
66% |
| Delinquency Rate ? |
0.81%
-27.3% YoY
-9.1% QoQ
|
-0.07% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
81.70%
+3.6% YoY
-2.0% QoQ
|
+5.06% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
8.84%
+3.9% YoY
-9.3% QoQ
|
-13.18% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
Bottom 8.7% in tier |
| Nonperforming Asset Ratio ? |
0.49%
-24.9% YoY
-10.5% QoQ
|
-0.15% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
38% |
| Tier 1 Capital Ratio ? |
38.52%
+1.7% YoY
+2.8% QoQ
|
+22.69% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Top 1.8% in tier |
| Non-Interest Income / Assets ? |
0.05%
+9.1% YoY
-74.8% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
22% |
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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 (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.