BlastPoint's Banking Scorecard
Lisle Savings Bank
Designations: ✓ Mutual
Lisle, IL
4 branches across IL
Lisle Savings Bank faces 7 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 2.3% in tier
- - Credit Risk Growth: Bottom 17.8% in tier
- - Liquidity Overhang: Bottom 19.3% in tier
- - Efficiency Drag: Bottom 40.3% in tier
- - Return on Assets 0.94% below tier average
- - Net Interest Margin 1.90% below tier average
- - Non-Interest-Bearing Deposit Share 17.68% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$551.8M
-0.7% YoY
+1.3% QoQ
|
+$165.7M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
77% |
| Total Loans ? |
$290.0M
+4.9% YoY
+1.7% QoQ
|
+$34.3M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
66% |
| Total Deposits ? |
$392.8M
+0.5% YoY
+1.7% QoQ
|
+$64.8M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
69% |
| Return on Assets ? |
0.33%
+104.7% YoY
+13.5% QoQ
|
-0.94% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 8.7% in tier |
| Net Interest Margin ? |
2.03%
+10.0% YoY
+4.9% QoQ
|
-1.90% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 0.9% in tier |
| Efficiency Ratio ? |
82.47%
-11.3% YoY
-4.2% QoQ
|
+17.19% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
Bottom 12.6% in tier |
| Delinquency Rate ? |
1.40%
+10.1% YoY
-4.2% QoQ
|
+0.51% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
73.83%
+4.4% YoY
-0.1% QoQ
|
-2.81% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
4.34%
+11.8% YoY
+11.4% QoQ
|
-17.68% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
Bottom 3.1% in tier |
| Nonperforming Asset Ratio ? |
0.73%
+16.2% YoY
-3.8% QoQ
|
+0.10% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
28% |
| Tier 1 Capital Ratio ? |
25.97%
+4.2% YoY
-1.0% QoQ
|
+10.14% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Top 5.6% in tier |
| Non-Interest Income / Assets ? |
0.08%
+25.9% YoY
-77.8% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
42% |
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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 (4)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.