Mutual Savings Bank
Franklin, IN · Cert 27742 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Third Century Bcorp
SI · FDIC · 4 branches
Q2 2026
$352.9MAssets
$223.8MLoans
$284.3MDeposits
$25.2MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: equity / assets trails 92% of banks under $1B in assets operating in a single state (rank 688 of 746).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.88%
Rank 475 of 746
Net Interest Margin
3.02%
Rank 607 of 746
Efficiency Ratio
71.36%
Rank 495 of 746
Equity / Assets
7.14%
Rank 688 of 746
Non-interest income vs. expense
Unfavorable gap of $7.0M · efficiency ratio beats 34% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.88% | 0.72% | 1.06% | 1.45% | Beats 36% | 475 / 746 | | |
| Return on Equity | 12.27% | 6.74% | 10.51% | 13.63% | Beats 66% | 257 / 746 | | |
| Net Interest Margin | 3.02% | 3.17% | 3.68% | 4.16% | Beats 18% | 607 / 746 | | |
| Efficiency Ratio | 71.36% | 55.74% | 64.58% | 75.47% | Beats 34% | 495 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 73% | 207 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 13.05% | 11.55% | 13.75% | 17.60% | Beats 42% | 430 / 746 | | |
| Total Risk-Based Capital Ratio | 14.27% | 11.71% | 14.33% | 18.43% | Beats 49% | 378 / 746 | | |
| Equity / Assets | 7.14% | 8.90% | 10.51% | 13.06% | Beats 8% | 688 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 78.72% | 61.31% | 78.27% | 90.78% | 51st pctl | 366 / 746 | | |
| Loans / Assets | 63.42% | 53.60% | 66.97% | 76.08% | 42nd pctl | 435 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |