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Mutual Federal Bank

Chicago, IL · Cert 28302 · Mutual Federal Bcorp MHC

State savings bank · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area3

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 in the Chicago-Naperville-Elgin, IL-IN area (n=56 to 57). 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

84

Q2 2024Q2 2026peer median (50)

Asset Quality

67

Q2 2024Q2 2026peer median (50)

Profitability

37

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

23

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

Mutual Federal Bank

Chicago, IL · Cert 28302 · Mutual Federal Bcorp MHC

State savings bank · OCC · 1 branch

Q2 2026

$96.5MAssets
$83.7MLoans
$63.5MDeposits
$15.9MEquity
Loan mix
100%RE $86.4M0%C&I $0.0M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
94%Interest-bearing $59.4M6%Noninterest $4.1MQ2 2025Q2 2026

NIM

5.36%Q2 ’245.39%Q2 ’255.24%Q2 ’26+1%+1%

Non-interest income vs. expense

3.15%Q2 ’243.01%Q2 ’253.00%Q2 ’26-6%+2%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #126 of 147 inst. · $0.1B of $630.7B

Executive Summary

  • Earnings: ROA of 0.61%, down 3 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 1.09% of loans (-128 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 16.34%, up 73 bps from a year ago.
  • Funding: loans stand at 131.81% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.61%-3 bps YoY

Net Interest Margin (YTD, annualized)

3.56%+2 bps YoY

Efficiency Ratio (YTD, annualized)

83.24%+62 bps YoY

Tier 1 Leverage Ratio

16.34%+73 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.64%0.63%0.63%0.59%0.61%-3 bps
Return on Equity4.09%4.01%3.94%3.64%3.74%-36 bps
Net Interest Margin3.54%3.61%3.57%3.53%3.56%+2 bps
Efficiency Ratio82.62%82.73%82.62%83.45%83.24%+62 bps
Non-Interest Burden2.91%2.97%2.94%2.94%2.95%+5 bps
Growth
Asset Growth (YoY)3.11%2.56%0.23%1.04%-1.01%-412 bps
Loan Growth (YoY)2.50%4.55%1.40%0.64%-1.41%-392 bps
Deposit Growth (YoY)-7.92%-2.72%-0.42%-1.18%-0.08%+783 bps
Asset Quality
Nonperforming Loans / Loans2.37%1.78%1.39%1.28%1.09%-128 bps
Net Charge-Offs / Loans0.00%0.00%0.05%0.00%0.00%0 bps
Allowance / Loans1.55%1.57%1.48%1.48%1.52%-3 bps
Allowance Coverage of NPLs0.7x0.9x1.1x1.2x1.4x+0.7x
Capital
Tier 1 Leverage Ratio15.61%16.19%16.37%16.35%16.34%+73 bps
Total Risk-Based Capital24.59%25.07%24.45%25.13%25.80%+121 bps
Equity / Assets15.74%16.39%16.08%16.11%16.52%+77 bps
Liquidity & Funding
Loans / Deposits133.59%134.03%136.73%138.27%131.81%-178 bps
Liquid Assets / Assets9.37%7.27%5.68%8.48%9.57%+20 bps
CRE / Total Capitaln/a97.61%98.93%110.57%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

Mutual Federal Bank

Chicago, IL · Cert 28302 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · Mutual Federal Bcorp MHC

State savings bank · OCC · 1 branch

Q2 2026

$96.5MAssets
$83.7MLoans
$63.5MDeposits
$15.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 24 of 56).
  • Widest gap: efficiency ratio trails 77% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 45 of 57).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.61%

Rank 37 of 57

Net Interest Margin

3.56%

Rank 30 of 57

Efficiency Ratio

83.24%

Rank 45 of 57

Equity / Assets

16.52%

Rank 10 of 57

Non-interest income vs. expense

$0.0M$2.9MINCOMEEXPENSE
Unfavorable gap of $2.9M · efficiency ratio beats 23% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 83.24%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.61%0.51%0.84%1.19%Beats 35%37 / 57
Return on Equity3.70%3.13%7.76%11.40%Beats 30%40 / 57
Net Interest Margin3.56%3.16%3.63%4.08%Beats 47%30 / 57
Efficiency Ratio83.24%59.57%69.70%81.06%Beats 23%45 / 57
Asset Quality
Nonperforming Loans / Loans1.09%0.06%0.34%1.78%Beats 34%38 / 56
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 100%24 / 56
Capital
Tier 1 Capital Ratio24.54%12.24%16.06%19.69%Beats 84%9 / 57
Total Risk-Based Capital Ratio25.80%12.54%16.50%20.95%Beats 86%8 / 57
Equity / Assets16.52%9.37%11.56%15.00%Beats 82%10 / 57
Liquidity & Funding
Loans / Deposits131.81%66.29%85.59%95.16%98th pctl1 / 57
Loans / Assets86.78%57.07%71.07%78.13%95th pctl3 / 57
Brokered Deposits / Depositsn/aNot reported for this institution