BlastPoint's Banking Scorecard
The Federal Savings Bank
Designations: ✓ Community bank
Chicago, IL
2 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 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in IL.
- Deposits -5.8% year over year ($741.1M on the books).
- Delinquency rate 2.71%.
- Return on assets 0.05%.
- Efficiency ratio 99.72% vs a 59.73% peer average.
- Loan-to-deposit ratio 129.86% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Federal Savings Bank has 1 strength but faces 8 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 6.91% above tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 6.9% in tier
- - Liquidity Overhang: Bottom 7.6% in tier
- - Liquidity Strain: Bottom 17.7% in tier
- - Efficiency Drag: Bottom 21.7% in tier
- - Capital Constraint: Bottom 93.8% in tier
- - Return on Assets 1.34% below tier average
- - Delinquency Rate 1.84% above tier average
- - Non-Interest-Bearing Deposit Share 11.85% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
-11.8% YoY
+1.0% QoQ
|
-$1.7B |
$2.8B
-0.6% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
Bottom 8.4% in tier |
| Total Loans ? |
$962.4M
-11.0% YoY
+0.8% QoQ
|
-$1.0B |
$2.0B
-0.3% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
29% |
| Total Deposits ? |
$741.1M
-5.8% YoY
-2.5% QoQ
|
-$1.6B |
$2.3B
-0.5% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
Bottom 1.2% in tier |
| Return on Assets ? |
0.05%
-90.0% YoY
+131.5% QoQ
|
-1.34% |
1.39%
+17.0% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
Bottom 1.7% in tier |
| Net Interest Margin ? |
3.42%
+6.4% YoY
+3.4% QoQ
|
-0.45% |
3.87%
+6.2% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
32% |
| Efficiency Ratio ? |
99.72%
+5.2% YoY
-2.3% QoQ
|
+39.99% |
59.73%
-12.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
Bottom 0.7% in tier |
| Delinquency Rate ? |
2.71%
+53.0% YoY
-22.4% QoQ
|
+1.84% |
0.87%
+11.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
Bottom 5.4% in tier |
| Loan-to-Deposit Ratio ? |
129.86%
-5.5% YoY
+3.4% QoQ
|
+44.82% |
85.04%
-0.1% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
Bottom 1.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.42%
-10.3% YoY
-10.1% QoQ
|
-11.85% |
21.27%
-1.5% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
Bottom 9.8% in tier |
| Nonperforming Asset Ratio ? |
2.59%
+62.3% YoY
-19.7% QoQ
|
+1.92% |
0.67%
+11.7% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
Bottom 3.6% in tier |
| Tier 1 Capital Ratio ? |
19.97%
+13.6% YoY
-0.9% QoQ
|
+5.13% |
14.84%
-0.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
Top 7.6% in tier |
| Non-Interest Income / Assets ? |
7.44%
+6.5% YoY
+100.6% QoQ
|
+6.91% |
0.53%
+2.5% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
Top 0.7% 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 |
9.4%
-1.1pp YoY -1.1pp QoQ |
-11.9pp | 21.4% | 20.1% | 22.2% | 9% |
| Brokered Deposits |
28.0%
+1.6pp YoY +0.7pp QoQ |
+18.5pp | 9.5% | 8.0% | 8.5% | 93% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
1.9%
+0.4pp YoY +0.5pp QoQ |
-12.2pp | 14.0% | 14.7% | 12.5% | 5% |
| CRE |
26.5%
+2.7pp YoY +3.6pp QoQ |
-23.6pp | 50.0% | 37.9% | 41.4% | 10% |
| 1-4 Family |
71.4%
-1.8pp YoY -4.1pp QoQ |
+44.9pp | 26.4% | 28.3% | 31.3% | 97% |
| Consumer |
1.0%
-1.4pp YoY -0.1pp QoQ |
-3.8pp | 4.7% | 5.4% | 5.0% | 44% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
20.0%
+2.4pp YoY -0.2pp QoQ |
+4.4pp | 15.6% | 19.9% | 19.7% | 91% |
| Leverage Ratio |
15.9%
+1.9pp YoY +0.9pp QoQ |
+4.5pp | 11.3% | 12.2% | 12.6% | 95% |
| Total Capital Ratio |
20.7%
+2.2pp YoY -0.2pp QoQ |
+4.0pp | 16.7% | 20.9% | 20.8% | 90% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
1,182
-102 (-7.9%) YoY -47 (-3.8%) QoQ |
+868 | 313 | 228 | 482 | 99% |
| Assets per Employee ($) |
$914,277
-4.2% YoY +5.0% QoQ |
-$9.6M | $10.5M | $8.3M | $8.8M | 0% |
| Branch Count |
2
0 YoY 0 QoQ |
-18 | 20 | 10 | 18 | 5% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.4% | 0.4% | n/a |
| Nonaccrual |
2.7%
+0.9pp YoY -0.8pp QoQ |
+1.9pp | 0.8% | 1.1% | 1.0% | 96% |
| Allowance Coverage |
0.23x
-45.2% YoY +24.7% QoQ |
-18.48x | 18.71x | 5.62x | 20.23x | 1% |
| Net Charge-off Rate (YTD) |
0.2%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.3% | 0.1% | 0.2% | 79% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
0.3%
-3.7pp YoY +1.5pp QoQ |
-12.2pp | 12.6% | 10.5% | 11.6% | 2% |
| Cost of Funds (YTD) |
3.3%
-0.2pp YoY -0.1pp QoQ |
+1.3pp | 1.9% | 1.6% | 1.7% | 98% |
| Net Income ($, YTD) |
$290,000
-90.9% YoY — QoQ |
-$19.0M | $19.2M | $11.7M | $40.4M | 2% |
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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 (5)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.