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Morton Community Bank

Morton, IL · Cert 18429 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Hometown Cmty Bcorp Employee STK Ownership PLAN&TR

State charter, non-member · FDIC · 48 branches

Q2 2026

$5.3BAssets
$3.5BLoans
$4.7BDeposits
$502.0MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 73% of banks $1B-$10B in assets operating in a single state (rank 70 of 257).
  • Widest gap: net charge-offs / loans trails 89% of banks $1B-$10B in assets operating in a single state (rank 230 of 258).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.28%

Rank 116 of 258

Net Interest Margin

3.27%

Rank 173 of 258

Efficiency Ratio

52.34%

Rank 70 of 257

Equity / Assets

9.38%

Rank 180 of 258

Non-interest income vs. expense

$23.1M$103.4MINCOMEEXPENSE
Unfavorable gap of $80.3M · efficiency ratio beats 73% of banks $1B-$10B in assets operating in a single state
Bank 52.34%Peer median 60.3%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.28%0.93%1.23%1.54%Beats 55%116 / 258
Return on Equity13.63%9.26%11.84%14.74%Beats 66%88 / 258
Net Interest Margin3.27%3.16%3.49%3.88%Beats 33%173 / 258
Efficiency Ratio52.34%51.71%60.30%69.65%Beats 73%70 / 257
Asset Quality
Nonperforming Loans / Loans0.81%0.19%0.46%0.90%Beats 28%188 / 258
Net Charge-Offs / Loans0.17%0.01%0.02%0.07%Beats 11%230 / 258
Capital
Tier 1 Capital Ratio13.59%11.41%12.98%15.12%Beats 59%105 / 258
Total Risk-Based Capital Ratio14.59%12.10%13.91%16.08%Beats 58%109 / 258
Equity / Assets9.38%9.09%10.24%11.72%Beats 30%180 / 258
Liquidity & Funding
Loans / Deposits74.98%73.24%86.34%95.95%27th pctl188 / 258
Loans / Assets66.18%63.01%72.27%78.40%31st pctl179 / 258
Brokered Deposits / Depositsn/aNot reported for this institution