BlastPoint's Banking Scorecard
Security Savings Bank
Monmouth, 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 -1.0% year over year ($210.1M on the books).
- Delinquency rate 0.30%.
- Return on assets 0.96%.
- Efficiency ratio 69.72% vs a 64.48% peer average.
- Loan-to-deposit ratio 71.57% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Security Savings Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.62% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 48.0% in tier
- - ROA 0.37% below tier average
- - Net Interest Margin 0.10% below tier average
- - Efficiency Ratio 5.24% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$241.4M
+1.6% YoY
-3.6% QoQ
|
-$145.2M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
35% |
| Total Loans ? |
$150.4M
+0.9% YoY
+1.5% QoQ
|
-$107.9M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
35% |
| Total Deposits ? |
$210.1M
-1.0% YoY
-5.2% QoQ
|
-$116.6M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
37% |
| Return on Assets ? |
0.96%
+11.6% YoY
-15.6% QoQ
|
-0.37% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
31% |
| Net Interest Margin ? |
3.89%
+13.9% YoY
+1.3% QoQ
|
-0.10% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
47% |
| Efficiency Ratio ? |
69.72%
+1.2% YoY
+10.0% QoQ
|
+5.24% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
31% |
| Delinquency Rate ? |
0.30%
-58.9% YoY
-35.2% QoQ
|
-0.62% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
71.57%
+1.9% YoY
+7.0% QoQ
|
-6.38% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
11.71%
+81.0% YoY
+50.6% QoQ
|
-10.32% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
Bottom 13.8% in tier |
| Nonperforming Asset Ratio ? |
0.19%
-59.2% YoY
-31.8% QoQ
|
-0.48% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
62% |
| Tier 1 Capital Ratio ? |
12.97%
+10.1% YoY
+3.8% QoQ
|
-2.94% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
47% |
| Non-Interest Income / Assets ? |
0.21%
-3.1% YoY
+89.8% QoQ
|
-0.36% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
53% |
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 |
11.7%
+5.2pp YoY +3.9pp QoQ |
-10.4pp | 22.1% | 20.1% | 22.2% | 13% |
| 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 |
4.9%
-0.1pp YoY 0.0pp QoQ |
-6.7pp | 11.6% | 14.7% | 12.5% | 19% |
| CRE |
8.7%
+1.5pp YoY +0.8pp QoQ |
-30.8pp | 39.5% | 37.9% | 41.4% | 3% |
| 1-4 Family |
16.3%
+1.0pp YoY -0.7pp QoQ |
-16.4pp | 32.6% | 28.3% | 31.3% | 22% |
| Consumer |
8.7%
-0.1pp YoY +0.2pp QoQ |
+4.6pp | 4.1% | 5.4% | 5.0% | 90% |
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 |
13.0%
+1.2pp YoY +0.5pp QoQ |
+0.8pp | 12.2% | 12.2% | 12.6% | 75% |
| 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 |
32
-4 (-11.1%) YoY -3 (-8.6%) QoQ |
-27 | 58 | 228 | 482 | 30% |
| Assets per Employee ($) |
$7.5M
+14.3% YoY +5.5% QoQ |
+$25K | $7.5M | $8.3M | $8.8M | 62% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 10 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.3%
-0.4pp YoY -0.2pp QoQ |
-0.6pp | 0.9% | 1.1% | 1.0% | 38% |
| Allowance Coverage |
3.90x
+156.1% YoY +51.4% QoQ |
-20.26x | 24.15x | 5.62x | 20.23x | 64% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 48% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.7%
-0.3pp YoY -1.8pp QoQ |
-3.5pp | 12.2% | 10.5% | 11.6% | 29% |
| Cost of Funds (YTD) |
1.1%
-0.2pp YoY 0.0pp QoQ |
-0.6pp | 1.7% | 1.6% | 1.7% | 16% |
| Net Income ($, YTD) |
$1.2M
+13.6% YoY — QoQ |
-$1.4M | $2.6M | $11.7M | $40.4M | 32% |
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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)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.