BlastPoint's Banking Scorecard

Eureka Savings Bank

$100M-$1B Specialty: Other IL FDIC cert 28401

Designations: ✓ Mutual

La Salle, IL

5 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 +3.2% year over year ($319.5M on the books).
Delinquency rate 3.09%.
Return on assets 0.89%.
Efficiency ratio 56.76% vs a 64.48% peer average.
Loan-to-deposit ratio 83.73% 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) →

Eureka Savings Bank has 1 strength 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

+ Efficiency Ratio 7.72% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 6.9% in tier
- Margin Compression: Bottom 28.3% in tier
- Delinquency Rate 2.17% above tier average
- Non-Interest-Bearing Deposit Share 12.68% below tier average
- Nonperforming Asset Ratio 1.23% above tier average
- Net Interest Margin 0.69% below tier average

Get updates when Eureka Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$435.8M +3.8% YoY -0.8% QoQ	+$49.2M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	66%
Total Loans ?	$267.5M +6.8% YoY +1.0% QoQ	+$9.2M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	62%
Total Deposits ?	$319.5M +3.2% YoY -1.4% QoQ	-$7.2M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	58%
Return on Assets ?	0.89% -11.1% YoY -6.1% QoQ	-0.43%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	28%
Net Interest Margin ?	3.30% +10.2% YoY +2.8% QoQ	-0.69%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	20%
Efficiency Ratio ?	56.76% -9.0% YoY -2.1% QoQ	-7.72%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	67%
Delinquency Rate ?	3.09% +201.1% YoY +279.3% QoQ	+2.17%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	Bottom 5.9% in tier
Loan-to-Deposit Ratio ?	83.73% +3.4% YoY +2.5% QoQ	+5.77%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	41%
Non-Interest-Bearing Deposit Share ?	9.35% +12.3% YoY +5.7% QoQ	-12.68%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	Bottom 9.4% in tier
Nonperforming Asset Ratio ?	1.89% +209.6% YoY +286.2% QoQ	+1.23%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	Bottom 8.2% in tier
Tier 1 Capital Ratio ?	38.19% -2.5% YoY -0.8% QoQ	+22.28%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	Top 2.2% in tier
Non-Interest Income / Assets ?	0.12% +13.3% YoY +113.4% QoQ	-0.45%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	24%

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	9.4% +1.0pp YoY +0.5pp QoQ	-12.8pp	22.1%	20.1%	22.2%	9%
Brokered Deposits	n/a	n/a	7.9%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	11.9% -0.6pp YoY 0.0pp QoQ	+0.4pp	11.6%	14.7%	12.5%	63%
CRE	n/a	n/a	39.5%	37.9%	41.4%	n/a
1-4 Family	56.7% -3.6pp YoY +0.5pp QoQ	+24.1pp	32.6%	28.3%	31.3%	87%
Consumer	0.9% -0.1pp YoY 0.0pp QoQ	-3.3pp	4.1%	5.4%	5.0%	25%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	38.2% -1.0pp YoY -0.3pp QoQ	+19.4pp	18.8%	19.9%	19.7%	96%
Leverage Ratio	21.6% +0.2pp YoY 0.0pp QoQ	+9.4pp	12.2%	12.2%	12.6%	97%
Total Capital Ratio	39.4% -0.9pp YoY -0.3pp QoQ	+19.5pp	19.9%	20.9%	20.8%	96%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	50 +1 (+2.0%) YoY 0 QoQ	-9	58	228	482	53%
Assets per Employee ($)	$8.7M +1.8% YoY -0.8% QoQ	+$1.2M	$7.5M	$8.3M	$8.8M	77%
Branch Count	5 0 YoY 0 QoQ	0	4	10	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	0.0%	-0.3pp	0.3%	0.4%	0.4%	36%
Nonaccrual	3.0% +2.0pp YoY +2.2pp QoQ	+2.1pp	0.9%	1.1%	1.0%	94%
Allowance Coverage	0.38x -63.2% YoY -69.7% QoQ	-23.77x	24.15x	5.62x	20.23x	6%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	50%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	4.3% -0.7pp YoY -0.3pp QoQ	-7.9pp	12.2%	10.5%	11.6%	11%
Cost of Funds (YTD)	1.3% -0.1pp YoY 0.0pp QoQ	-0.4pp	1.7%	1.6%	1.7%	24%
Net Income ($, YTD)	$1.9M -7.4% YoY — QoQ	-$613K	$2.6M	$11.7M	$40.4M	51%

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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 (2)

Liquidity Overhang

risk

#52 of 742 • Bottom 6.9% 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: 38.19%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 83.73%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

Margin Compression

decline

#88 of 307 • Bottom 28.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 0.89%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 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: 38.19%

Peer Median: 15.91%

#60 of 2643 Top 2.2% in $100M-$1B

Top Weaknesses (5 metrics)

2478

Delinquency Rate

credit_quality

Value: 3.09%

Peer Median: 0.92%

#2478 of 2633 Bottom 5.9% in $100M-$1B

2428

Nonperforming Asset Ratio

credit_quality

Value: 1.89%

Peer Median: 0.67%

#2428 of 2643 Bottom 8.2% in $100M-$1B

2395

Non-Interest-Bearing Deposit Share

funding

Value: 9.35%

Peer Median: 22.03%

#2395 of 2643 Bottom 9.4% in $100M-$1B

2124

Net Interest Margin

profitability

Value: 3.30%

Peer Median: 3.99%

#2124 of 2643 Bottom 19.7% in $100M-$1B

2006

Non-Interest Income / Assets

revenue_mix

Value: 0.12%

Peer Median: 0.57%

#2006 of 2643 Bottom 24.1% in $100M-$1B