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
Unfavorable gap of $2.9M · efficiency ratio beats 23% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |