MUNICIPAL TRUST AND SAVINGS BANK

BOURBONNAIS, IL | Small | Est. Oct. 2, 1981, midnight | FDIC #23546 | RSSD #460332 | FDIC
Latest Report: 2025-12-31

MUNICIPAL TRUST AND SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in BOURBONNAIS, IL, established in Oct. 2, 1981, midnight. As of 2025-12-31, the bank reported total assets of $355M and total deposits of $282M. Profitability stands at 2.48% ROA and 15.56% ROE, with a net interest margin of 5.17%. The bank's CET1 capital ratio is 14.91%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.02% and a Texas Ratio of 0.09%. FDIC Certificate #23546.

Assets

$355M

Deposits

$282M

Loans

$260M

Equity

$53M

Profitability

Return on Assets (ROA) 2.48%
Return on Equity (ROE) 15.56%
Net Interest Margin (NIM) 5.17%
Yield on Assets 6.53%
Cost of Funds 1.57%

Asset Quality

NPL Ratio 0.02%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.09%
NPA Ratio 0.01%
ACL / Loans 1.18%

Capital & Liquidity

CET1 Ratio 14.91%
Tier 1 Capital 14.91%
Total Capital Ratio 15.65%
Leverage Ratio 14.21%
Loan-to-Deposit 92.06%

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