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Morton Community Bank

Morton, IL · Cert 18429 · 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
Loan mix
80%RE $2.6B17%C&I $0.6B3%Consumer $0.1BQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $3.8B20%Noninterest $0.9BQ2 2025Q2 2026

NIM

4.57%Q2 ’244.71%Q2 ’254.77%Q2 ’26+10%+12%

Non-interest income vs. expense

1.68%Q2 ’241.76%Q2 ’251.92%Q2 ’26+7%+3%

Market Position · Peoria, IL · 2026 SOD (annual) · 34.9% share · #1 of 35 inst. · $3.5B of $10.0B

65.4% Tazewell
11.0% Peoria
4.3% Sangamon
33.9% Woodford

Executive Summary

  • Earnings: ROA of 1.23%, up 3 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 0.81% of loans (+19 bps YoY), with net charge-offs at 0.28%.
  • Capital: tier 1 leverage ratio of 10.62%, up 70 bps from a year ago.
  • Funding: loans stand at 74.98% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.23%+3 bps YoY

Net Interest Margin (quarter, annualized)

3.30%+36 bps YoY

Efficiency Ratio (quarter, annualized)

48.76%-171 bps YoY

Tier 1 Leverage Ratio

10.62%+70 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.20%1.25%1.36%1.34%1.23%+3 bps
Return on Equity14.26%14.16%14.10%13.65%12.90%-136 bps
Net Interest Margin2.95%3.08%3.24%3.23%3.30%+36 bps
Efficiency Ratio50.47%50.90%48.53%49.86%48.76%-171 bps
Non-Interest Burden1.41%1.47%1.44%1.51%1.46%+5 bps
Growth
Asset Growth (YoY)0.00%-3.38%-0.75%-2.60%-2.16%-216 bps
Loan Growth (YoY)0.44%0.58%-0.87%-1.17%-0.85%-128 bps
Deposit Growth (YoY)0.09%-0.91%3.85%1.19%2.16%+207 bps
Asset Quality
Nonperforming Loans / Loans0.62%0.65%0.68%0.62%0.81%+19 bps
Net Charge-Offs / Loans-0.03%0.00%-0.07%0.38%0.28%+31 bps
Allowance / Loans1.16%1.16%1.20%1.13%1.14%-1 bps
Allowance Coverage of NPLs1.9x1.8x1.7x1.8x1.4x-0.5x
Capital
Tier 1 Leverage Ratio9.91%10.32%10.79%10.81%10.62%+70 bps
Total Risk-Based Capital13.94%14.47%14.99%15.05%14.59%+65 bps
Equity / Assets8.30%9.40%9.84%9.74%9.38%+109 bps
Liquidity & Funding
Loans / Deposits77.26%77.28%76.42%76.57%74.98%-227 bps
Liquid Assets / Assets3.59%2.52%3.32%2.62%3.10%-50 bps
CRE / Total Capitaln/a343%328%323%n/an/a