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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

5.57%Q2 ’245.32%Q2 ’255.34%Q2 ’26-7%+4%

Non-interest income vs. expense

3.25%Q2 ’242.96%Q2 ’253.05%Q2 ’26-10%+3%

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 0.63%, up 4 bps year over year; NIM at 3.63%.
  • 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 (quarter, annualized)

0.63%+4 bps YoY

Net Interest Margin (quarter, annualized)

3.63%+14 bps YoY

Efficiency Ratio (quarter, annualized)

83.04%-64 bps YoY

Tier 1 Leverage Ratio

16.34%+73 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.58%0.62%0.61%0.59%0.63%+4 bps
Return on Equity3.72%3.84%3.75%3.64%3.83%+12 bps
Net Interest Margin3.49%3.57%3.42%3.53%3.63%+14 bps
Efficiency Ratio83.68%82.97%82.28%83.45%83.04%-64 bps
Non-Interest Burden2.91%2.95%2.81%2.94%3.00%+9 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%0.19%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