1 star ratingAverage User Rating:
1 star rating based on 1 review.

Lisle Savings Bank

Lisle Savings Bank Locations
1450 Maple
Lisle, IL 60532
630-852-3710
www.lislebank.com

FDIC

Lisle Savings Bank is headquartered in Lisle and is the 78th largest bank in the state of Illinois. It is also the 1,262nd largest bank in the nation. It was established in 1917 and as of December of 2012, it had grown to 60 employees at 3 locations. Lisle Savings Bank has a 4-star health rating.

Lisle Savings Bank Routing Number: 271972404

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4.25% for Terms 6 to 18 Months at Lisle Savings Bank in Illinois - 10/7/2008

Lisle Savings Bank has a competitive CD special with a yield of 4.25% APY for terms of 6, 9, 12 and 18 months. The minimum deposit is $4,000. The 4.25% APY is most competitive for terms under one year.It appears that a branch visit is required to open...



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See Rates for: Checking | Savings | Money Market | CD | IRA

Lisle Savings Bank Checking Account Rates

ApyMinMaxProduct
0.35%$1k-Wall Street Checking
0.15%$400-Interest Checking
0.15%$100-Gold 50 Checking
0.15%$700-Home Business Checking

Lisle Savings Bank Savings Account Rates

ApyMinMaxProduct
0.50%--E-Saving
0.20%$200-Statement Saving
0.20%--Small Saver Club
0.20%$2,500-IRA Statement

Lisle Savings Bank Money Market Rates

ApyMinMaxProduct
0.40%$1k-Insured Money Market Account

Lisle Savings Bank CD Rates

ApyMinMaxProduct
1.00%$2k-42 Month CD
0.80%$2k-30 Month CD
0.70%$2k-24 Month CD
0.60%$2k-18 Month CD
0.55%$90k-365 Day Jumbo CD
0.50%$2k-12 Month CD
0.40%$2k-9 Month CD
0.30%$2k-6 Month CD
0.30%$90k-180 Day Jumbo CD

Lisle Savings Bank IRA Rates

ApyMinMaxProduct
1.00%$2k-42 Month IRA
0.80%$2k-30 Month IRA
0.70%$250-24 Month IRA
0.60%$250-18 Month IRA
0.50%$250-12 Month IRA
0.40%$250-9 Month IRA
0.30%$250-6 Month IRA

Rates updated: 5/21/2013

Data for Q4 2012


Institution Statistics


Lisle Savings Bank
FDIC Certificate #29800
BankRate ReportView
Year Established1917
Employees60
Primary RegulatorFDIC

Assets and Liabilities

Assets$530.48 million
Loans$243.99 million
Deposits$428.68 million
Equity Capital$95.59 million
Loan Loss Allowance$5.07 million
Unbacked Noncurrent Loans$28.19 million
Real Estate Owned$145,000

Historic Data - December 2011

Assets$523.40 million
Equity Capital$90.78 million
Loan Loss Allowance$5.18 million
Unbacked Noncurrent Loans$18.43 million
Real Estate Owned$1.97 million

Profit Margin - Quarterly

Net Interest Margin2.85%
Return on Assets0.72%
Return on Equity4.06%
Interest Income$16.68 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio3
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Lisle Savings Bank had $28.34 million in non-current loans and owned real-estate with $100.66 million in equity and loan loss allowances on hand to cover it. This gives Lisle Savings Bank a Texas Ratio of 28.15% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend2
The Texas Ratio for Lisle Savings Bank increased slightly from 21.25% as of December 31, 2011 to 28.15% as of December 31, 2012, resulting in a negative change of 32.45%. This indicates that the balance sheet and financial strength for Lisle Savings Bank has declined slightly in recent periods.
Deposit Growth4
In the past year, Lisle Savings Bank has increased its total deposits by $10.85 million, resulting in 2.6% 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 Lisle Savings Bank has shown is above average.
Capitalization5
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. Lisle Savings Bank has $530.48 million in assets with $100.66 million in equity, resulting in a capitalization level of 18.98%, which is excellent.
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Bad Customer Service
1 stars - VeronikaG - Thursday, October 25, 2012 - 5:44 PM

I visited Lisle savings bank on Maple on Monday, 10/22/12 with my mother with a goal to open an account for her. We waited for about 1/2 hour  and left . The receptionst was semi-friendly, nobody realy was interested to take care of us as we were new to this bank. Overall the environment inside is very laid back and relaxed, I would say definitely not business like compare to Chase were people give you maximum attention right away. All employees whom I saw were over the age of 50, no young, fresh energetic faces. I needed this location on Maple since my Mom moved to 4 Lakes. We went to TCF in Jewel instead and opened an account for her. P.S. I am not anonymous, my name is Veronika G.

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