PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $0.7MQ3 2024Q2 2026
Deposit mix
70%Interest-bearing $213.5M30%Noninterest $92.3MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.08%1.95%2.52%2.46%2.49%2.39%2.44%2.47%+1 bps
Return on Equity13.03%12.17%15.28%15.06%15.12%14.82%16.06%16.21%+115 bps
Net Interest Margin3.98%4.03%4.25%4.37%4.52%4.47%4.37%4.43%+6 bps
Efficiency Ratio38.78%41.44%34.06%36.11%35.79%38.78%35.96%36.19%+8 bps
Non-Interest Burden1.32%1.46%1.04%1.24%1.31%1.47%1.30%1.36%+12 bps
Growth
Asset Growth (YoY)1.94%0.04%-0.55%-0.86%-0.81%1.29%1.84%7.90%+876 bps
Loan Growth (YoY)-0.68%1.85%2.04%9.35%6.14%4.34%3.41%2.53%-683 bps
Deposit Growth (YoY)-0.90%0.85%0.04%0.76%0.39%2.67%4.63%7.86%+710 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.02%0.00%0.02%0.02%0.06%0.04%+4 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.10%1.19%1.20%1.17%1.18%1.18%1.19%1.17%+1 bps
Allowance Coverage of NPLsn/an/a69.0xn/a69.5x63.7x21.0x31.9xn/a
Capital
Tier 1 Leverage Ratio15.70%16.15%16.98%15.95%16.93%14.87%15.40%15.56%-39 bps
Total Risk-Based Capital15.70%16.15%16.98%15.95%16.93%14.87%15.40%15.56%-39 bps
Equity / Assets15.79%16.25%16.77%15.88%16.93%14.96%15.40%15.32%-57 bps
Liquidity & Funding
Loans / Deposits88.91%90.59%88.60%89.76%94.00%92.06%87.56%85.32%-444 bps
Liquid Assets / Assets27.79%26.54%27.43%24.63%22.71%24.11%26.19%29.17%+454 bps
CRE / Total Capitaln/an/an/an/a216%242%234%n/an/a