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Municipal Trust and Savings Bank

Bourbonnais, IL · Cert 23546

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

67

Q2 2024Q2 2026peer median (50)

Asset Quality

91

Q2 2024Q2 2026peer median (50)

Profitability

88

Q2 2024Q2 2026peer median (50)

Liquidity

80

Q2 2024Q2 2026peer median

Efficiency

98

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Municipal Trust and Savings Bank

Bourbonnais, IL · Cert 23546

State charter, non-member · FDIC · 2 branches

Q2 2026

$382.2MAssets
$260.9MLoans
$305.7MDeposits
$58.5MEquity
Loan mix
96%RE $246.0M3%C&I $8.8M0%Consumer $0.7MQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $213.5M30%Noninterest $92.3MQ2 2025Q2 2026

NIM

5.09%Q2 ’245.54%Q2 ’255.56%Q2 ’26+13%+1%

Non-interest income vs. expense

1.66%Q2 ’241.77%Q2 ’251.74%Q2 ’26-3%+10%

Market Position · Kankakee, IL · 2026 SOD (annual) · 10.8% share · #3 of 13 inst. · $0.3B of $2.8B

Executive Summary

  • Earnings: ROA of 2.47%, up 1 bps year over year; NIM at 4.43%.
  • Asset quality: problem loans at 0.04% of loans (+4 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.56%, down 39 bps from a year ago.
  • Funding: loans stand at 85.32% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.47%+1 bps YoY

Net Interest Margin (YTD, annualized)

4.43%+6 bps YoY

Efficiency Ratio (YTD, annualized)

36.19%+8 bps YoY

Tier 1 Leverage Ratio

15.56%-39 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.46%2.49%2.39%2.44%2.47%+1 bps
Return on Equity15.06%15.12%14.82%16.06%16.21%+115 bps
Net Interest Margin4.37%4.52%4.47%4.37%4.43%+6 bps
Efficiency Ratio36.11%35.79%38.78%35.96%36.19%+8 bps
Non-Interest Burden1.24%1.31%1.47%1.30%1.36%+12 bps
Growth
Asset Growth (YoY)-0.86%-0.81%1.29%1.84%7.90%+876 bps
Loan Growth (YoY)9.35%6.14%4.34%3.41%2.53%-683 bps
Deposit Growth (YoY)0.76%0.39%2.67%4.63%7.86%+710 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.02%0.02%0.06%0.04%+4 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.17%1.18%1.18%1.19%1.17%+1 bps
Allowance Coverage of NPLsn/a69.5x63.7x21.0x31.9xn/a
Capital
Tier 1 Leverage Ratio15.95%16.93%14.87%15.40%15.56%-39 bps
Total Risk-Based Capital15.95%16.93%14.87%15.40%15.56%-39 bps
Equity / Assets15.88%16.93%14.96%15.40%15.32%-57 bps
Liquidity & Funding
Loans / Deposits89.76%94.00%92.06%87.56%85.32%-444 bps
Liquid Assets / Assets24.63%22.71%24.11%26.19%29.17%+454 bps
CRE / Total Capitaln/a216%242%234%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Municipal Trust and Savings Bank

Bourbonnais, IL · Cert 23546 · Peer group: banks under $1B in assets (n=581-629)

State charter, non-member · FDIC · 2 branches

Q2 2026

$382.2MAssets
$260.9MLoans
$305.7MDeposits
$58.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: total risk-based capital ratio trails 42% of banks under $1B in assets (rank 264 of 629).
  • Overall: at or above the peer median on 9 of 9 directional measures.

Return on Assets

2.37%

Rank 57 of 629

Net Interest Margin

4.43%

Rank 79 of 629

Efficiency Ratio

36.19%

Rank 15 of 629

Equity / Assets

15.32%

Rank 132 of 629

Non-interest income vs. expense

$1.4M$6.5MINCOMEEXPENSE
Unfavorable gap of $5.1M · efficiency ratio beats 98% of banks under $1B in assets
Bank 36.19%Peer median 67.8%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.37%0.60%1.01%1.45%Beats 91%57 / 629
Return on Equity15.46%5.38%9.30%13.28%Beats 85%93 / 629
Net Interest Margin4.43%3.03%3.54%4.05%Beats 87%79 / 629
Efficiency Ratio36.19%58.35%67.79%79.08%Beats 98%15 / 629
Asset Quality
Nonperforming Loans / Loans0.04%0.09%0.46%1.20%Beats 82%103 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio15.56%11.24%13.84%18.77%Beats 63%233 / 629
Total Risk-Based Capital Ratio15.56%11.58%14.43%19.66%Beats 58%264 / 629
Equity / Assets15.32%9.09%10.65%13.80%Beats 79%132 / 629
Liquidity & Funding
Loans / Deposits85.32%67.24%80.90%93.48%58th pctl249 / 594
Loans / Assets68.25%53.31%67.71%78.15%51st pctl309 / 629
Brokered Deposits / Depositsn/aNot reported for this institution