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Overview / Commentary
800-894-6900
21110 South Western Avenue
Olympia Fields, IL 60461

BankFinancial, FSB is headquartered in Olympia Fields and is the 26th largest bank in the state of Illinois. It is also the 473rd largest bank in the nation. It was established in 1924 and as of March of 2014, it had grown to 281 employees at 21 locations. BankFinancial, FSB has a B health rating.

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Health

Data for Q1 2014

Institution Health

B

Texas Ratio

GRADE:
B

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 BankFinancial, FSB had $29.73 million in non-current loans and owned real-estate with $165.86 million in equity and loan loss allowances on hand to cover it. This gives BankFinancial, FSB a Texas Ratio of 17.92% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for BankFinancial, FSB decreased slightly from 23.13% as of March 31, 2013 to 17.92% as of March 31, 2014, resulting in a positive change of 22.51%.This indicates that the balance sheet and financial strength for BankFinancial, FSB has improved slightly in recent periods.

Deposit Growth

GRADE:
C

In the past year, BankFinancial, FSB has decreased its total deposits by -$21.2 million, resulting in -1.64% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth BankFinancial, FSB has shown is average.

Capitalization

GRADE:
A

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. BankFinancial, FSB has $1.45 billion in assets with $165.86 million in equity, resulting in a capitalization level of 11.45%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #28808
Year Established1924
Employees281
Primary RegulatorOCC
Assets and Liabilities
Assets$1.45 billion
Loans$1.10 billion
Deposits$1.27 billion
Equity Capital$151.68 million
Loan Loss Allowance$14.18 million
Unbacked Noncurrent Loans$21.06 million
Real Estate Owned$8.67 million
Historic Data - March 2013
Assets$1.47 billion
Equity Capital$146.74 million
Loan Loss Allowance$17.45 million
Unbacked Noncurrent Loans$21.06 million
Real Estate Owned$8.09 million
Profit Margin - Quarterly
Net Interest Margin3.31%
Return on Assets0.32%
Return on Equity3.11%
Interest Income$12.15 million
Rates

Always verify rates and promotions with the bank or credit union. We are not BankFinancial, FSB, we are a rate comparison website and can not provide official rates or promotions.

BankFinancial, FSB Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.20%$10k-Retirement Management
0.15%$1k-Spectrum Select Savings
0.10%--Business Savings
0.10%--Kids Savings
0.10%$150-Everyday Savings

BankFinancial, FSB Money Market Rates

DetailsAPYMINMAXPRODUCT
0.35%$10k$250kSpectrum Select Money Market
0.35%$10k-Spectrum Select Business Money Market
0.20%$10k-Personal Money Market
0.20%$10k-Business Money Market
0.20%$10k-Public Funds Money Market

BankFinancial, FSB Checking Account Rates

DetailsAPYMINMAXPRODUCT
1.50%-$10keRewards Checking - Qualifying
1.00%--IOLTA
0.15%$10k-Spectrum Select Checking
0.10%--Public Funds Checking
0.10%--Civic Checking
0.05%$1k-Small Business Checking
0.01%--eRewards Checking - Non Qualifying

BankFinancial, FSB CD Rates

DetailsAPYMINMAXPRODUCT
0.95%$1k-60 Month CD
0.95%$1k-Business 60 Month CD
0.75%$1k-48 Month CD
0.75%$1k-Business 48 Month CD
0.60%$10k-22 Month Spectrum Select CD
0.60%$10k-22 Month Spectrum Business CD
0.60%$1k-21 Month eCD
0.55%$1k-36 Month CD
0.55%$1k-Business 36 Month CD
0.45%$10k-15 Month Spectrum Select CD
0.45%$10k-15 Month Spectrum Business CD
0.45%$1k-14 Month eCD
0.40%$1k-30 Month CD
0.40%$1k-Business 30 Month CD
0.35%$10k-11 Month Spectrum Select CD
0.35%$1k-24 Month CD
0.35%$1k-24 Month Goal Setter CD
0.35%$1k-Business 24 Month CD
0.35%$10k-Business 11 Month Spectrum CD
0.30%$1k-18 Month CD
0.30%$1k-Business 18 Month CD
0.25%$1k-12 Month CD
0.25%$1k-18 Month Jump Rate CD
0.25%$1k-12 Month Goal Setter CD
0.25%$500-12 Month Kids CD
0.25%$1k-Business 12 Month CD
0.25%$1k-Business 18 Month Jump Rate CD
0.20%$1k-6 Month CD
0.20%$1k-10 Month Tax Deferred CD
0.20%$1k-6 Month Goal Setter CD
0.20%$500-6 Month Kids CD
0.20%$1k-Business 6 Month CD
0.20%$1k-Business 10 Month Tax-Deferred CD
0.15%$1k-91 Day CD
0.15%$1k-Business 91 Day CD
0.06%$1k-18 Month Variable Rate CD
0.06%$1k-Business 18 Month Variable Rate CD

BankFinancial, FSB IRA Rates

DetailsAPYMINMAXPRODUCT
1.00%$1k-60 Month IRA
0.80%$1k-48 Month IRA
0.60%$1k-36 Month IRA
0.60%$1k-36 Month Roth IRA
0.60%$1k-36 Month CESA
0.60%$10k-22 Month Spectrum Select IRA
0.45%$1k-30 Month IRA
0.45%$10k-15 Month Spectrum Select IRA
0.40%$1k-24 Month IRA
0.35%$1k-18 Month IRA
0.35%$10k-11 Month Spectrum Select IRA
0.30%$1k-12 Month IRA
0.30%$1k-18 Month Jump Rate IRA
0.25%$1k-6 Month IRA
0.20%$1k-91 Day IRA
0.06%$1k-18 Month Variable Rate IRA
0.06%$1k-18 Month Variable Rate Roth IRA
0.06%$1k-18 Month Variable Rate CESA
Locations

BankFinancial, FSB has 22 locations. Click to view all BankFinancial, FSB locations.