BlastPoint's Banking Scorecard

The Federal Savings Bank

$1B-$10B Specialty: Mortgage IL FDIC cert 35518

Designations: ✓ Community bank

Chicago, IL

2 branches across IL

884 banks in the $1B-$10B peer group nationally 50 in IL

The Federal Savings Bank has 1 strength but faces 8 concerns

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

+ Non-Interest Income / Assets 3.45% above tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 8.0% in tier
- Liquidity Strain: Bottom 14.7% in tier
- Deposit Outflow: Bottom 40.0% in tier
- Capital Constraint: Bottom 94.6% in tier
- Return on Assets 1.53% below tier average
- Efficiency Ratio 41.04% above tier average
- Delinquency Rate 2.60% above tier average
- Nonperforming Asset Ratio 2.56% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$1.1B -9.7% YoY -6.0% QoQ	-$1.7B	$2.8B -0.1% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Bottom 7.4% in tier
Total Loans ?	$954.7M -6.8% YoY -4.9% QoQ	-$1.0B	$2.0B +0.6% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	29%
Total Deposits ?	$760.0M -3.2% YoY -8.2% QoQ	-$1.6B	$2.3B -0.3% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Bottom 1.5% in tier
Return on Assets ?	-0.17% +48.5% YoY -124.4% QoQ	-1.53%	1.37% +19.6% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	Bottom 1.8% in tier
Net Interest Margin ?	3.31% +4.8% YoY -1.8% QoQ	-0.51%	3.82% +6.9% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	29%
Efficiency Ratio ?	102.10% +0.3% YoY +8.4% QoQ	+41.04%	61.06% -4.6% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	Bottom 1.1% in tier
Delinquency Rate ?	3.49% +86.9% YoY +3.4% QoQ	+2.60%	0.89% +14.1% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	Bottom 3.3% in tier
Loan-to-Deposit Ratio ?	125.62% -3.8% YoY +3.6% QoQ	+41.41%	84.20% +0.3% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	Bottom 1.6% in tier
Non-Interest-Bearing Deposit Share ?	10.48% +0.6% YoY +1.3% QoQ	-10.80%	21.29% -2.5% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	Bottom 12.7% in tier
Nonperforming Asset Ratio ?	3.23% +97.4% YoY +8.2% QoQ	+2.56%	0.67% +15.6% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	Bottom 2.1% in tier
Tier 1 Capital Ratio ?	20.14% +18.0% YoY +4.1% QoQ	+4.98%	15.16% +2.0% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	Top 7.6% in tier
Non-Interest Income / Assets ?	3.71% +17.2% YoY -75.6% QoQ	+3.45%	0.26% +1.6% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	Top 0.7% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (4)

Liquidity Overhang

risk

#15 of 174 • Bottom 8.0% 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: 20.14%

(Tier: 15.16%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 125.62%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

174 of 174 Mid-Market banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#50 of 334 • Bottom 14.7% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 125.62%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#53 of 130 • Bottom 40.0% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

130 of 130 Mid-Market banks match · 656 nationally

→ Stable -8 banks QoQ

Capital Constraint

risk

#36 of 37 • Bottom 94.6% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 125.62%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 20.14%

(Tier: 15.16%, National: 17.06%)

better than tier avg

37 of 37 Mid-Market banks match · 148 nationally

↑ Growing +19 banks QoQ

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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (2 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 3.71%

Peer Median: 0.26%

#7 of 884 Top 0.7% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 20.14%

Peer Median: 15.16%

#68 of 884 Top 7.6% in $1B-$10B

Top Weaknesses (8 metrics)

875

Efficiency Ratio

profitability

Value: 102.10%

Peer Median: 61.06%

#875 of 884 Bottom 1.1% in $1B-$10B

872

Total Deposits

size

Value: $760.00M

Peer Median: $2.34B

#872 of 884 Bottom 1.5% in $1B-$10B

871

Loan-to-Deposit Ratio

liquidity

Value: 125.62%

Peer Median: 84.20%

#871 of 884 Bottom 1.6% in $1B-$10B

869

Return on Assets

profitability

Value: -0.17%

Peer Median: 1.37%

#869 of 884 Bottom 1.8% in $1B-$10B

866

Nonperforming Asset Ratio

credit_quality

Value: 3.23%

Peer Median: 0.67%

#866 of 884 Bottom 2.1% in $1B-$10B

852

Delinquency Rate

credit_quality

Value: 3.49%

Peer Median: 0.89%

#852 of 880 Bottom 3.3% in $1B-$10B

820

Total Assets

size

Value: $1.07B

Peer Median: $2.82B

#820 of 884 Bottom 7.4% in $1B-$10B

773

Non-Interest-Bearing Deposit Share

funding

Value: 10.48%

Peer Median: 21.29%

#773 of 884 Bottom 12.7% in $1B-$10B