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Community Partners Savings Bank

$100M-$1B Specialty: Other IL FDIC cert 30819

Designations: ✓ Mutual

Salem, IL

6 branches across 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 +0.2% year over year ($226.5M on the books).
  • Delinquency rate 1.78%.
  • Return on assets 0.67%.
  • Efficiency ratio 75.31% vs a 64.48% peer average.
  • Loan-to-deposit ratio 56.87% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

Community Partners Savings Bank faces 6 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 16.5% in tier
  • - Liquidity Overhang: Bottom 49.1% in tier
  • - ROA 0.66% below tier average
  • - Net Interest Margin 0.54% below tier average
  • - Efficiency Ratio 10.83% above tier average
  • - Delinquency Rate 0.86% above tier average
Get updates when Community Partners Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $288.4M
+0.4% YoY -1.9% QoQ
-$98.2M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
44%
Total Loans ? $128.8M
-3.6% YoY +2.0% QoQ
-$129.6M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
28%
Total Deposits ? $226.5M
+0.2% YoY -1.9% QoQ
-$100.3M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
40%
Return on Assets ? 0.67%
+67.9% YoY +3.6% QoQ
-0.66% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
17%
Net Interest Margin ? 3.45%
+10.6% YoY +1.7% QoQ
-0.54% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
25%
Efficiency Ratio ? 75.31%
-14.3% YoY -3.9% QoQ
+10.83% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
20%
Delinquency Rate ? 1.78%
+30.6% YoY +5.6% QoQ
+0.86% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
15%
Loan-to-Deposit Ratio ? 56.87%
-3.8% YoY +4.0% QoQ
-21.08% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
Top 14.2% in tier
Non-Interest-Bearing Deposit Share ? 10.47%
+2.8% YoY -8.3% QoQ
-11.56% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
Bottom 11.6% in tier
Nonperforming Asset Ratio ? 0.80%
+18.8% YoY +5.0% QoQ
+0.13% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
26%
Tier 1 Capital Ratio ? 24.71%
+7.9% YoY -0.1% QoQ
+8.80% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
Top 7.2% in tier
Non-Interest Income / Assets ? 0.20%
+25.9% YoY +145.5% QoQ
-0.36% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
51%

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 10.5%
+0.3pp YoY
-0.9pp QoQ
 -11.7pp 22.1% 20.1% 22.2% 11%
Brokered Deposits 2.7%
-3.1pp YoY
-0.6pp QoQ
 -5.1pp 7.9% 8.0% 8.5% 36%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 6.5%
-0.1pp YoY
0.0pp QoQ
 -5.0pp 11.6% 14.7% 12.5% 29%
CRE n/a n/a 39.5% 37.9% 41.4% n/a
1-4 Family 55.2%
+0.1pp YoY
-2.0pp QoQ
 +22.6pp 32.6% 28.3% 31.3% 87%
Consumer 7.8%
-1.1pp YoY
-1.0pp QoQ
 +3.7pp 4.1% 5.4% 5.0% 88%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 24.7%
+1.8pp YoY
0.0pp QoQ
 +5.9pp 18.8% 19.9% 19.7% 88%
Leverage Ratio 11.9%
+0.4pp YoY
+0.2pp QoQ
 -0.3pp 12.2% 12.2% 12.6% 63%
Total Capital Ratio 25.3%
+1.9pp YoY
0.0pp QoQ
 +5.4pp 19.9% 20.9% 20.8% 88%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 53
-1 (-1.9%) YoY
-1 (-1.9%) QoQ
 -6 58 228 482 56%
Assets per Employee ($) $5.4M
+2.3% YoY
-0.1% QoQ
 -$2.1M $7.5M $8.3M $8.8M 22%
Branch Count 6
0 YoY
0 QoQ
 +1 4 10 18 66%

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 1.8%
+0.5pp YoY
+0.1pp QoQ
 +0.8pp 0.9% 1.1% 1.0% 85%
Allowance Coverage 0.36x
+1.4% YoY
-2.1% QoQ
 -23.80x 24.15x 5.62x 20.23x 5%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
-0.1pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 73%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 6.6%
+2.3pp YoY
+0.2pp QoQ
 -5.6pp 12.2% 10.5% 11.6% 19%
Cost of Funds (YTD) 1.9%
-0.2pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.6% 1.7% 61%
Net Income ($, YTD) $968,000
+71.3% YoY
— QoQ
 -$1.6M $2.6M $11.7M $40.4M 26%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Flatlined Growth

risk
#88 of 529 • Bottom 16.5% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.67%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Liquidity Overhang

risk
#365 of 742 • Bottom 49.1% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 24.71%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 56.87%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

192
Tier 1 Capital Ratio
capital
Value: 24.71%
Peer Median: 15.91%
#192 of 2643 Top 7.2% in $100M-$1B
377
Loan-to-Deposit Ratio
liquidity
Value: 56.87%
Peer Median: 77.95%
#377 of 2643 Top 14.2% in $100M-$1B

Top Weaknesses (4 metrics)

2337
Non-Interest-Bearing Deposit Share
funding
Value: 10.47%
Peer Median: 22.03%
#2337 of 2643 Bottom 11.6% in $100M-$1B
2237
Delinquency Rate
credit_quality
Value: 1.78%
Peer Median: 0.92%
#2237 of 2633 Bottom 15.1% in $100M-$1B
2183
Return on Assets
profitability
Value: 0.67%
Peer Median: 1.32%
#2183 of 2643 Bottom 17.4% in $100M-$1B
2117
Efficiency Ratio
profitability
Value: 75.31%
Peer Median: 64.48%
#2117 of 2643 Bottom 19.9% in $100M-$1B
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