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
Unfavorable gap of $5.1M · efficiency ratio beats 98% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.37% | 0.60% | 1.01% | 1.45% | Beats 91% | 57 / 629 | | |
| Return on Equity | 15.46% | 5.38% | 9.30% | 13.28% | Beats 85% | 93 / 629 | | |
| Net Interest Margin | 4.43% | 3.03% | 3.54% | 4.05% | Beats 87% | 79 / 629 | | |
| Efficiency Ratio | 36.19% | 58.35% | 67.79% | 79.08% | Beats 98% | 15 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.09% | 0.46% | 1.20% | Beats 82% | 103 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 15.56% | 11.24% | 13.84% | 18.77% | Beats 63% | 233 / 629 | | |
| Total Risk-Based Capital Ratio | 15.56% | 11.58% | 14.43% | 19.66% | Beats 58% | 264 / 629 | | |
| Equity / Assets | 15.32% | 9.09% | 10.65% | 13.80% | Beats 79% | 132 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 85.32% | 67.24% | 80.90% | 93.48% | 58th pctl | 249 / 594 | | |
| Loans / Assets | 68.25% | 53.31% | 67.71% | 78.15% | 51st pctl | 309 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |