BlastPoint's Banking Scorecard
Community Partners Savings Bank
Designations: ✓ Mutual
Salem, IL
6 branches across IL
Community Partners Savings Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 0.93% below tier average
- - Net Interest Margin 0.54% below tier average
- - Efficiency Ratio 13.09% above tier average
- - Delinquency Rate 0.80% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$293.8M
+3.1% YoY
+1.7% QoQ
|
-$92.3M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
45% |
| Total Loans ? |
$126.2M
-4.1% YoY
-3.9% QoQ
|
-$129.5M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
28% |
| Total Deposits ? |
$230.8M
-0.1% YoY
+2.5% QoQ
|
-$97.2M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
41% |
| Return on Assets ? |
0.34%
-33.2% YoY
-23.0% QoQ
|
-0.93% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 9.0% in tier |
| Net Interest Margin ? |
3.39%
+9.4% YoY
+7.2% QoQ
|
-0.54% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
26% |
| Efficiency Ratio ? |
78.38%
-14.8% YoY
-4.5% QoQ
|
+13.09% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
17% |
| Delinquency Rate ? |
1.69%
+374.3% YoY
+3.8% QoQ
|
+0.80% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
54.68%
-4.0% YoY
-6.2% QoQ
|
-21.96% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
Top 13.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.42%
+13.0% YoY
+1.9% QoQ
|
-10.60% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
Bottom 13.7% in tier |
| Nonperforming Asset Ratio ? |
0.76%
+244.7% YoY
-1.9% QoQ
|
+0.13% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
27% |
| Tier 1 Capital Ratio ? |
24.68%
+5.6% YoY
+4.0% QoQ
|
+8.85% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Top 6.8% in tier |
| Non-Interest Income / Assets ? |
0.08%
+22.8% YoY
-76.9% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
41% |
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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
See how this bank ranks across all tracked metrics compared to peers.