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Lisle Savings Bank

$100M-$1B Specialty: Mortgage IL FDIC cert 29800

Designations: ✓ Mutual

Lisle, IL

4 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 -0.3% year over year ($383.3M on the books).
  • Delinquency rate 0.96%.
  • Return on assets 0.84%.
  • Efficiency ratio 61.74% vs a 64.48% peer average.
  • Loan-to-deposit ratio 77.27% 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) →

Lisle Savings Bank has 1 strength but faces 5 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 2.74% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 13.8% in tier
  • - Liquidity Overhang: Bottom 18.5% in tier
  • - Net Interest Margin 1.17% below tier average
  • - Non-Interest-Bearing Deposit Share 18.22% below tier average
  • - ROA 0.48% below tier average
Get updates when Lisle 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 ? $544.5M
-1.0% YoY -1.3% QoQ
+$158.0M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
76%
Total Loans ? $296.2M
+5.2% YoY +2.1% QoQ
+$37.9M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
66%
Total Deposits ? $383.3M
-0.3% YoY -2.4% QoQ
+$56.6M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
68%
Return on Assets ? 0.84%
+195.3% YoY +157.8% QoQ
-0.48% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
25%
Net Interest Margin ? 2.82%
+51.8% YoY +38.6% QoQ
-1.17% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
Bottom 6.3% in tier
Efficiency Ratio ? 61.74%
-27.3% YoY -25.1% QoQ
-2.74% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
52%
Delinquency Rate ? 0.96%
-24.5% YoY -31.5% QoQ
+0.04% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
30%
Loan-to-Deposit Ratio ? 77.27%
+5.6% YoY +4.7% QoQ
-0.68% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
55%
Non-Interest-Bearing Deposit Share ? 3.81%
+6.5% YoY -12.3% QoQ
-18.22% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
Bottom 2.7% in tier
Nonperforming Asset Ratio ? 0.52%
-19.7% YoY -29.1% QoQ
-0.15% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
38%
Tier 1 Capital Ratio ? 26.10%
+3.6% YoY +0.5% QoQ
+10.19% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
Top 6.0% in tier
Non-Interest Income / Assets ? 0.17%
-22.5% YoY +102.9% QoQ
-0.39% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
42%

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 3.8%
+0.2pp YoY
-0.5pp QoQ
 -18.3pp 22.1% 20.1% 22.2% 2%
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 0.1%
0.0pp YoY
0.0pp QoQ
 -11.5pp 11.6% 14.7% 12.5% 0%
CRE 3.2%
-1.0pp YoY
-0.6pp QoQ
 -36.4pp 39.5% 37.9% 41.4% 0%
1-4 Family 97.7%
+0.9pp YoY
+0.5pp QoQ
 +65.0pp 32.6% 28.3% 31.3% 99%
Consumer n/a n/a 4.1% 5.4% 5.0% n/a

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 26.1%
+0.9pp YoY
+0.1pp QoQ
 +13.9pp 12.2% 12.2% 12.6% 98%
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 53
-1 (-1.9%) YoY
-2 (-3.6%) QoQ
 -6 58 228 482 56%
Assets per Employee ($) $10.3M
+0.8% YoY
+2.4% QoQ
 +$2.8M $7.5M $8.3M $8.8M 87%
Branch Count 4
0 YoY
0 QoQ
 -1 4 10 18 42%

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 1.0%
-0.3pp YoY
-0.4pp QoQ
 0.0pp 0.9% 1.1% 1.0% 70%
Allowance Coverage 1.03x
+26.4% YoY
+43.1% QoQ
 -23.13x 24.15x 5.62x 20.23x 27%
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 3.4%
+2.2pp YoY
+2.1pp QoQ
 -8.8pp 12.2% 10.5% 11.6% 9%
Cost of Funds (YTD) 1.8%
-0.3pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.6% 1.7% 60%
Net Income ($, YTD) $2.3M
+191.5% YoY
— QoQ
 -$261K $2.6M $11.7M $40.4M 58%

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)

Flatlined Growth

risk
#74 of 529 • Bottom 13.8% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.84%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank declining

Liquidity Overhang

risk
#138 of 742 • Bottom 18.5% 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: 26.10%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 77.27%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

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 (2 metrics)

159
Tier 1 Capital Ratio
capital
Value: 26.10%
Peer Median: 15.91%
#159 of 2643 Top 6.0% in $100M-$1B
643
Total Assets
size
Value: $544.53M
Peer Median: $386.57M
#643 of 2643 Top 24.3% in $100M-$1B

Top Weaknesses (2 metrics)

2572
Non-Interest-Bearing Deposit Share
funding
Value: 3.81%
Peer Median: 22.03%
#2572 of 2643 Bottom 2.7% in $100M-$1B
2477
Net Interest Margin
profitability
Value: 2.82%
Peer Median: 3.99%
#2477 of 2643 Bottom 6.3% in $100M-$1B
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