BlastPoint's Banking Scorecard
Streator Home Savings Bank
Designations: ✓ Mutual
Streator, IL
Streator Home Savings Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 9.32% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 39.81% below tier average
- - Net Interest Margin 1.19% below tier average
- - Non-Interest-Bearing Deposit Share 21.75% below tier average
- - Non-Interest Income / Assets 0.27% below tier average
- - Delinquency Rate 0.34% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$137.0M
-13.5% YoY
-11.5% QoQ
|
-$249.1M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 10.3% in tier |
| Total Loans ? |
$39.7M
+4.7% YoY
-0.3% QoQ
|
-$216.0M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
Bottom 1.5% in tier |
| Total Deposits ? |
$106.7M
-2.1% YoY
+1.4% QoQ
|
-$221.3M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
Bottom 7.6% in tier |
| Return on Assets ? | -38.54% | -39.81% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 0.1% in tier |
| Net Interest Margin ? |
2.74%
+123.3% YoY
+101.8% QoQ
|
-1.19% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 6.0% in tier |
| Efficiency Ratio ? |
55.97%
-48.6% YoY
-46.0% QoQ
|
-9.32% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
71% |
| Delinquency Rate ? |
1.23%
-30.8% YoY
-13.9% QoQ
|
+0.34% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
37.25%
+7.0% YoY
-1.6% QoQ
|
-39.39% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
Top 3.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.27%
+14.2% YoY
+91.3% QoQ
|
-21.75% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
Bottom 0.8% in tier |
| Nonperforming Asset Ratio ? |
0.36%
-16.2% YoY
-2.9% QoQ
|
-0.28% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
46% |
| Tier 1 Capital Ratio ? |
19.73%
-27.4% YoY
-29.7% QoQ
|
+3.90% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Top 14.0% in tier |
| Non-Interest Income / Assets ? |
0.01%
+33.4% YoY
-67.4% QoQ
|
-0.27% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Bottom 2.0% in tier |
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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 (0)
Metric Rankings
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