BlastPoint

BlastPoint's Banking Scorecard

Nashville Savings Bank

$100M-$1B Specialty: Commercial IL FDIC cert 29677

Designations: ✓ Mutual

Nashville, 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 +6.4% year over year ($93.9M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.39%.
  • Efficiency ratio 44.60% vs a 64.48% peer average.
  • Loan-to-deposit ratio 72.92% 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) →

Nashville Savings Bank has 4 strengths but faces 2 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

  • + Credit Quality Leader: Top 40.7% in tier
  • + Efficiency Ratio 19.88% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + ROA 0.07% above tier average

Key Concerns

Areas that may need attention

  • - Non-Interest Income / Assets 0.55% below tier average
  • - Net Interest Margin 0.57% below tier average
Get updates when Nashville 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 ? $107.9M
+6.7% YoY -0.9% QoQ
-$278.7M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
Bottom 2.0% in tier
Total Loans ? $68.4M
+2.1% YoY +2.0% QoQ
-$189.9M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
Bottom 6.8% in tier
Total Deposits ? $93.9M
+6.4% YoY -1.2% QoQ
-$232.9M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
Bottom 3.9% in tier
Return on Assets ? 1.39%
+9.4% YoY +7.7% QoQ
+0.07% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
58%
Net Interest Margin ? 3.41%
+6.8% YoY +3.7% QoQ
-0.57% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
24%
Efficiency Ratio ? 44.60%
-0.5% YoY -5.6% QoQ
-19.88% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
Top 8.4% in tier
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 72.92%
-4.0% YoY +3.2% QoQ
-5.04% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
64%
Non-Interest-Bearing Deposit Share ? 11.32%
-4.2% YoY +2.6% QoQ
-10.71% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
Bottom 13.2% in tier
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 12.89%
+2.3% YoY +2.6% QoQ
-3.02% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
46%
Non-Interest Income / Assets ? 0.02%
+17.1% YoY +124.3% QoQ
-0.55% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
Bottom 1.6% in tier

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 11.3%
-0.5pp YoY
+0.3pp QoQ
 -10.8pp 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 13.4%
-0.8pp YoY
+1.6pp QoQ
 +1.8pp 11.6% 14.7% 12.5% 70%
CRE 26.0%
-0.5pp YoY
-2.0pp QoQ
 -13.5pp 39.5% 37.9% 41.4% 28%
1-4 Family 35.1%
+5.2pp YoY
+2.3pp QoQ
 +2.4pp 32.6% 28.3% 31.3% 62%
Consumer 6.0%
0.0pp YoY
0.0pp QoQ
 +1.9pp 4.1% 5.4% 5.0% 82%

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 12.9%
+0.3pp YoY
+0.3pp QoQ
 +0.7pp 12.2% 12.2% 12.6% 74%
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 7
0 YoY
0 QoQ
 -52 58 228 482 0%
Assets per Employee ($) $15.4M
+6.7% YoY
-0.9% QoQ
 +$7.9M $7.5M $8.3M $8.8M 98%
Branch Count 1
0 YoY
0 QoQ
 -4 4 10 18 0%

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 n/a n/a 0.9% 1.1% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 5.62x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 11.1%
+0.5pp YoY
+0.7pp QoQ
 -1.1pp 12.2% 10.5% 11.6% 43%
Cost of Funds (YTD) 1.6%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.6% 1.7% 42%
Net Income ($, YTD) $744,000
+16.8% YoY
— QoQ
 -$1.8M $2.6M $11.7M $40.4M 18%

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 (1)

Credit Quality Leader

growth
#269 of 659 • Top 40.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
223
Efficiency Ratio
profitability
Value: 44.60%
Peer Median: 64.48%
#223 of 2643 Top 8.4% in $100M-$1B

Top Weaknesses (6 metrics)

2602
Non-Interest Income / Assets
revenue_mix
Value: 0.02%
Peer Median: 0.57%
#2602 of 2643 Bottom 1.6% in $100M-$1B
2590
Total Assets
size
Value: $107.90M
Peer Median: $386.57M
#2590 of 2643 Bottom 2.0% in $100M-$1B
2541
Total Deposits
size
Value: $93.87M
Peer Median: $326.73M
#2541 of 2643 Bottom 3.9% in $100M-$1B
2464
Total Loans
size
Value: $68.45M
Peer Median: $258.35M
#2464 of 2643 Bottom 6.8% in $100M-$1B
2294
Non-Interest-Bearing Deposit Share
funding
Value: 11.32%
Peer Median: 22.03%
#2294 of 2643 Bottom 13.2% in $100M-$1B
2014
Net Interest Margin
profitability
Value: 3.41%
Peer Median: 3.99%
#2014 of 2643 Bottom 23.8% in $100M-$1B
Powered by BlastPoint © 2026