BlastPoint's Banking Scorecard
First Savings Bank of Hegewisch
Designations: ✓ Mutual
Chicago, IL
14 branches across IL · IN
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 -2.0% year over year ($666.6M on the books).
- Delinquency rate 0.06%.
- Return on assets 0.15%.
- Efficiency ratio 90.80% vs a 64.48% peer average.
- Loan-to-deposit ratio 52.83% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Savings Bank of Hegewisch has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 6.1% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 6.3% in tier
- - Liquidity Overhang: Bottom 27.9% in tier
- - Return on Assets 1.18% below tier average
- - Net Interest Margin 2.14% below tier average
- - Efficiency Ratio 26.32% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$787.0M
-1.6% YoY
-1.2% QoQ
|
+$400.5M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
Top 8.6% in tier |
| Total Loans ? |
$352.2M
-4.1% YoY
-0.5% QoQ
|
+$93.8M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
74% |
| Total Deposits ? |
$666.6M
-2.0% YoY
-1.5% QoQ
|
+$339.8M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
Top 8.6% in tier |
| Return on Assets ? |
0.15%
-8.2% QoQ
|
-1.18% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
Bottom 4.8% in tier |
| Net Interest Margin ? |
1.84%
+19.2% YoY
+3.5% QoQ
|
-2.14% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 0.6% in tier |
| Efficiency Ratio ? |
90.80%
-11.0% YoY
+1.2% QoQ
|
+26.32% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
Bottom 5.2% in tier |
| Delinquency Rate ? |
0.06%
+52.1% YoY
+0.1% QoQ
|
-0.86% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
52.83%
-2.1% YoY
+1.0% QoQ
|
-25.12% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
Top 10.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.37%
+3.7% YoY
+1.4% QoQ
|
-11.66% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
Bottom 11.3% in tier |
| Nonperforming Asset Ratio ? |
0.03%
+48.3% YoY
+0.8% QoQ
|
-0.64% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
83% |
| Tier 1 Capital Ratio ? |
38.89%
+3.2% YoY
+164.2% QoQ
|
+22.99% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
Top 2.1% in tier |
| Non-Interest Income / Assets ? |
0.07%
-2.5% YoY
+108.7% QoQ
|
-0.49% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 10.6% 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 |
10.4%
+0.4pp YoY +0.1pp QoQ |
-11.8pp | 22.1% | 20.1% | 22.2% | 11% |
| 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 |
99.5%
-0.1pp YoY 0.0pp QoQ |
+66.9pp | 32.6% | 28.3% | 31.3% | 100% |
| Consumer |
0.0%
0.0pp YoY 0.0pp QoQ |
-4.1pp | 4.1% | 5.4% | 5.0% | 3% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
38.9%
+1.2pp YoY |
+20.1pp | 18.8% | 19.9% | 19.7% | 96% |
| Leverage Ratio |
14.9%
+0.3pp YoY +0.2pp QoQ |
+2.7pp | 12.2% | 12.2% | 12.6% | 86% |
| Total Capital Ratio |
39.5%
+1.2pp YoY |
+19.6pp | 19.9% | 20.9% | 20.8% | 96% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
96
-3 (-3.0%) YoY -2 (-2.0%) QoQ |
+37 | 58 | 228 | 482 | 85% |
| Assets per Employee ($) |
$8.2M
+1.5% YoY +0.8% QoQ |
+$680K | $7.5M | $8.3M | $8.8M | 70% |
| Branch Count |
14
0 YoY 0 QoQ |
+9 | 4 | 10 | 18 | 97% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 1.1% | 1.0% | 13% |
| Allowance Coverage |
8.71x
-35.2% YoY -0.9% QoQ |
-15.44x | 24.15x | 5.62x | 20.23x | 80% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
1.0%
+1.1pp YoY -0.1pp QoQ |
-11.2pp | 12.2% | 10.5% | 11.6% | 4% |
| Cost of Funds (YTD) |
1.7%
-0.3pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 1.6% | 1.7% | 47% |
| Net Income ($, YTD) |
$582,000
+1264.0% YoY — QoQ |
-$2.0M | $2.6M | $11.7M | $40.4M | 13% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (2)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.