BlastPoint's Banking Scorecard
Streator Home Savings Bank
Designations: ✓ Mutual
Streator, 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 -2.2% year over year ($106.5M on the books).
- Delinquency rate 1.20%.
- Return on assets -18.93%.
- Efficiency ratio 52.41% vs a 64.48% peer average.
- Loan-to-deposit ratio 37.31% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Streator Home Savings Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 12.06% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 47.9% in tier
- - Return on Assets 20.25% below tier average
- - Net Interest Margin 1.09% below tier average
- - Non-Interest-Bearing Deposit Share 21.84% below tier average
- - Non-Interest Income / Assets 0.54% below tier average
- - Delinquency Rate 0.28% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$137.0M
-12.9% YoY
+0.0% QoQ
|
-$249.5M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
Bottom 10.1% in tier |
| Total Loans ? |
$39.7M
+0.9% YoY
-0.0% QoQ
|
-$218.6M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 1.3% in tier |
| Total Deposits ? |
$106.5M
-2.2% YoY
-0.2% QoQ
|
-$220.3M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
Bottom 7.5% in tier |
| Return on Assets ? |
-18.93%
+50.9% QoQ
|
-20.25% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
Bottom 0.1% in tier |
| Net Interest Margin ? |
2.90%
+123.1% YoY
+5.9% QoQ
|
-1.09% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 7.7% in tier |
| Efficiency Ratio ? |
52.41%
-48.4% YoY
-6.3% QoQ
|
-12.06% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
78% |
| Delinquency Rate ? |
1.20%
-22.2% YoY
-2.2% QoQ
|
+0.28% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
37.31%
+3.2% YoY
+0.2% QoQ
|
-40.64% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
Top 3.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.19%
+14.4% YoY
-30.0% QoQ
|
-21.84% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
Bottom 0.8% in tier |
| Nonperforming Asset Ratio ? |
0.35%
-9.9% YoY
-2.3% QoQ
|
-0.32% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
48% |
| Tier 1 Capital Ratio ? |
21.99%
-19.8% YoY
+11.5% QoQ
|
+6.08% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
Top 10.4% in tier |
| Non-Interest Income / Assets ? |
0.02%
+41.3% YoY
+113.3% QoQ
|
-0.54% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 1.9% 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 |
0.2%
0.0pp YoY -0.1pp QoQ |
-22.0pp | 22.1% | 20.1% | 22.2% | 0% |
| 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 |
92.8%
+0.1pp YoY +0.4pp QoQ |
+60.2pp | 32.6% | 28.3% | 31.3% | 98% |
| Consumer |
5.7%
0.0pp YoY +0.3pp QoQ |
+1.6pp | 4.1% | 5.4% | 5.0% | 81% |
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 |
22.0%
-5.4pp YoY +2.3pp QoQ |
+9.8pp | 12.2% | 12.2% | 12.6% | 97% |
| 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 |
15
0 YoY 0 QoQ |
-44 | 58 | 228 | 482 | 4% |
| Assets per Employee ($) |
$9.1M
-12.9% YoY 0.0% QoQ |
+$1.6M | $7.5M | $8.3M | $8.8M | 80% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 10 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
1.2%
-0.2pp YoY 0.0pp QoQ |
+0.3pp | 0.9% | 1.1% | 1.0% | 76% |
| Allowance Coverage |
0.62x
+32.9% YoY +1.3% QoQ |
-23.54x | 24.15x | 5.62x | 20.23x | 14% |
| Net Charge-off Rate (YTD) | 0.0% | -0.1pp | 0.1% | 0.1% | 0.2% | 50% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-80.8%
-80.7pp YoY +76.1pp QoQ |
-93.0pp | 12.2% | 10.5% | 11.6% | 0% |
| Cost of Funds (YTD) |
1.3%
-0.1pp YoY 0.0pp QoQ |
-0.4pp | 1.7% | 1.6% | 1.7% | 23% |
| Net Income ($, YTD) |
$-13529000.0
-84456.2% YoY — QoQ |
-$16.1M | $2.6M | $11.7M | $40.4M | 0% |
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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)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.