Chicago, IL · Cert 28302 · Mutual Federal Bcorp MHC
State savings bank · OCC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
84
Asset Quality
67
Profitability
37
Liquidity
0
Efficiency
23
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.
Chicago, IL · Cert 28302 · Mutual Federal Bcorp MHC
State savings bank · OCC · 1 branch
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #126 of 147 inst. · $0.1B of $630.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | -0.24% | 0.70% | 0.64% | 0.63% | 0.63% | 0.59% | 0.61% | -3 bps | |
| Return on Equity | 1.14% | -1.49% | 4.47% | 4.09% | 4.01% | 3.94% | 3.64% | 3.74% | -36 bps | |
| Net Interest Margin | 3.49% | 3.43% | 3.62% | 3.54% | 3.61% | 3.57% | 3.53% | 3.56% | +2 bps | |
| Efficiency Ratio | 94.69% | 107.54% | 81.61% | 82.62% | 82.73% | 82.62% | 83.45% | 83.24% | +62 bps | |
| Non-Interest Burden | 3.30% | 3.68% | 2.92% | 2.91% | 2.97% | 2.94% | 2.94% | 2.95% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.34% | -2.63% | -2.82% | 3.11% | 2.56% | 0.23% | 1.04% | -1.01% | -412 bps | |
| Loan Growth (YoY) | -11.23% | -0.98% | 0.65% | 2.50% | 4.55% | 1.40% | 0.64% | -1.41% | -392 bps | |
| Deposit Growth (YoY) | -3.77% | -8.73% | -9.00% | -7.92% | -2.72% | -0.42% | -1.18% | -0.08% | +783 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.10% | 2.44% | 2.39% | 2.37% | 1.78% | 1.39% | 1.28% | 1.09% | -128 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | 0.00% | 0.00% | 0.00% | 0.05% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.65% | 1.55% | 1.54% | 1.55% | 1.57% | 1.48% | 1.48% | 1.52% | -3 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.6x | 0.6x | 0.7x | 0.9x | 1.1x | 1.2x | 1.4x | +0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.60% | 16.46% | 15.59% | 15.61% | 16.19% | 16.37% | 16.35% | 16.34% | +73 bps | |
| Total Risk-Based Capital | 25.41% | 24.42% | 24.25% | 24.59% | 25.07% | 24.45% | 25.13% | 25.80% | +121 bps | |
| Equity / Assets | 16.70% | 15.49% | 15.68% | 15.74% | 16.39% | 16.08% | 16.11% | 16.52% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 124.70% | 134.27% | 135.77% | 133.59% | 134.03% | 136.73% | 138.27% | 131.81% | -178 bps | |
| Liquid Assets / Assets | 8.48% | 8.81% | 7.91% | 9.37% | 7.27% | 5.68% | 8.48% | 9.57% | +20 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 97.61% | 98.93% | 110.57% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.61% | 0.51% | 0.84% | 1.19% | Beats 35% | 37 / 57 | ||
| Return on Equity | 3.70% | 3.13% | 7.76% | 11.40% | Beats 30% | 40 / 57 | ||
| Net Interest Margin | 3.56% | 3.16% | 3.63% | 4.08% | Beats 47% | 30 / 57 | ||
| Efficiency Ratio | 83.24% | 59.57% | 69.70% | 81.06% | Beats 23% | 45 / 57 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.09% | 0.06% | 0.34% | 1.78% | Beats 34% | 38 / 56 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 100% | 24 / 56 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 24.54% | 12.24% | 16.06% | 19.69% | Beats 84% | 9 / 57 | ||
| Total Risk-Based Capital Ratio | 25.80% | 12.54% | 16.50% | 20.95% | Beats 86% | 8 / 57 | ||
| Equity / Assets | 16.52% | 9.37% | 11.56% | 15.00% | Beats 82% | 10 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 131.81% | 66.29% | 85.59% | 95.16% | 98th pctl | 1 / 57 | ||
| Loans / Assets | 86.78% | 57.07% | 71.07% | 78.13% | 95th pctl | 3 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||