MUTUAL FEDERAL BANK

CHICAGO, IL | Micro | Est. Jan. 1, 1905, midnight | FDIC #28302 | RSSD #235174 | OCC
Latest Report: 2025-12-31

MUTUAL FEDERAL BANK is amn micro FDIC-insured commercial bank headquartered in CHICAGO, IL, established in Jan. 1, 1905, midnight. As of 2025-12-31, the bank reported total assets of $97M and total deposits of $63M. Profitability stands at 0.61% ROA and 3.75% ROE, with a net interest margin of 3.71%. The bank's CET1 capital ratio is 23.19%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.39% and a Texas Ratio of 7.07%. FDIC Certificate #28302.

Assets

$97M

Deposits

$63M

Loans

$86M

Equity

$16M

Profitability

Return on Assets (ROA) 0.61%
Return on Equity (ROE) 3.75%
Net Interest Margin (NIM) 3.71%
Yield on Assets 5.56%
Cost of Funds 2.10%

Asset Quality

NPL Ratio 1.39%
Net Charge-Off Ratio 0.05%
Texas Ratio 7.07%
NPA Ratio 1.23%
ACL / Loans 1.48%

Capital & Liquidity

CET1 Ratio 23.19%
Tier 1 Capital 23.19%
Total Capital Ratio 24.45%
Leverage Ratio 16.37%
Loan-to-Deposit 136.73%

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