BlastPoint's Banking Scorecard
Community Savings Bank
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 -1.4% year over year ($357.0M on the books).
- Delinquency rate 0.20%.
- Return on assets -0.22%.
- Efficiency ratio 110.48% vs a 64.48% peer average.
- Loan-to-deposit ratio 65.61% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Community Savings Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.72% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.54% below tier average
- - Net Interest Margin 1.60% below tier average
- - Efficiency Ratio 46.00% above tier average
- - Non-Interest-Bearing Deposit Share 20.56% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$410.2M
+0.1% YoY
+0.5% QoQ
|
+$23.6M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
62% |
| Total Loans ? |
$234.2M
+4.2% YoY
+1.8% QoQ
|
-$24.1M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
56% |
| Total Deposits ? |
$357.0M
-1.4% YoY
-0.8% QoQ
|
+$30.2M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
64% |
| Return on Assets ? |
-0.22%
+59.3% YoY
+33.2% QoQ
|
-1.54% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
Bottom 2.6% in tier |
| Net Interest Margin ? |
2.39%
+27.1% YoY
+3.8% QoQ
|
-1.60% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 2.3% in tier |
| Efficiency Ratio ? |
110.48%
-18.7% YoY
-5.7% QoQ
|
+46.00% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
Bottom 1.4% in tier |
| Delinquency Rate ? |
0.20%
-33.2% YoY
-7.3% QoQ
|
-0.72% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
65.61%
+5.7% YoY
+2.7% QoQ
|
-12.34% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
1.47%
-17.5% YoY
+42.7% QoQ
|
-20.56% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
Bottom 1.3% in tier |
| Nonperforming Asset Ratio ? |
0.11%
-30.4% YoY
-6.1% QoQ
|
-0.55% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
69% |
| Tier 1 Capital Ratio ? |
13.50%
-4.3% YoY
-0.2% QoQ
|
-2.41% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.07%
+12.5% YoY
+150.9% QoQ
|
-0.49% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 10.5% in tier |
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 (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
1.5%
-0.3pp YoY +0.4pp QoQ |
-20.7pp | 22.1% | 20.1% | 22.2% | 1% |
| 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 | 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 |
61.1%
-0.6pp YoY +0.8pp QoQ |
+28.5pp | 32.6% | 28.3% | 31.3% | 91% |
| Consumer |
0.0%
0.0pp YoY 0.0pp QoQ |
-4.1pp | 4.1% | 5.4% | 5.0% | 1% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 19.9% | 19.7% | n/a |
| Leverage Ratio |
13.5%
-0.6pp YoY 0.0pp QoQ |
+1.3pp | 12.2% | 12.2% | 12.6% | 78% |
| Total Capital Ratio | n/a | n/a | 19.9% | 20.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
55
-1 (-1.8%) YoY -2 (-3.5%) QoQ |
-4 | 58 | 228 | 482 | 58% |
| Assets per Employee ($) |
$7.5M
+1.9% YoY +4.1% QoQ |
-$61K | $7.5M | $8.3M | $8.8M | 60% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 10 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.2%
-0.1pp YoY 0.0pp QoQ |
-0.7pp | 0.9% | 1.1% | 1.0% | 30% |
| Allowance Coverage |
5.15x
+62.2% YoY +8.3% QoQ |
-19.01x | 24.15x | 5.62x | 20.23x | 71% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 19% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-1.9%
+2.9pp YoY +0.9pp QoQ |
-14.1pp | 12.2% | 10.5% | 11.6% | 3% |
| Cost of Funds (YTD) |
1.7%
-0.2pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.6% | 1.7% | 51% |
| Net Income ($, YTD) |
$-444000.0
+59.4% YoY — QoQ |
-$3.0M | $2.6M | $11.7M | $40.4M | 2% |
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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.