Municipal Trust and Savings Bank
Bourbonnais, IL · Cert 23546 · Peer group: banks under $1B in assets operating in a single state (n=748-752)
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 operating in a single state (rank 182 of 748).
- Widest gap: total risk-based capital ratio trails 40% of banks under $1B in assets operating in a single state (rank 303 of 752).
- Overall: at or above the peer median on 9 of 9 directional measures.
Return on Assets
2.37%
Rank 22 of 752
Net Interest Margin
4.43%
Rank 118 of 752
Efficiency Ratio
36.19%
Rank 14 of 752
Equity / Assets
15.32%
Rank 94 of 752
Non-interest income vs. expense
Unfavorable gap of $5.1M · efficiency ratio beats 98% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.37% | 0.72% | 1.07% | 1.45% | Beats 97% | 22 / 752 | |
| Return on Equity | 15.46% | 6.78% | 10.58% | 13.65% | Beats 85% | 111 / 752 | |
| Net Interest Margin | 4.43% | 3.18% | 3.69% | 4.17% | Beats 84% | 118 / 752 | |
| Efficiency Ratio | 36.19% | 55.75% | 64.49% | 75.47% | Beats 98% | 14 / 752 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.09% | 0.42% | 1.03% | Beats 80% | 152 / 748 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 182 / 748 | |
| Capital |
| Tier 1 Capital Ratio | 15.56% | 11.55% | 13.75% | 17.60% | Beats 66% | 254 / 752 | |
| Total Risk-Based Capital Ratio | 15.56% | 11.70% | 14.33% | 18.47% | Beats 60% | 303 / 752 | |
| Equity / Assets | 15.32% | 8.93% | 10.56% | 13.13% | Beats 88% | 94 / 752 | |
| Liquidity & Funding |
| Loans / Deposits | 85.32% | 62.23% | 78.64% | 91.26% | 64th pctl | 272 / 752 | |
| Loans / Assets | 68.25% | 54.61% | 67.41% | 76.47% | 52nd pctl | 361 / 752 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |