BanksMUNICIPAL TRUST AND SAVINGS BANK

MUNICIPAL TRUST AND SAVINGS BANK

BOURBONNAIS, ILSmallEst. Oct. 2, 1981, midnightFDIC #23546RSSD #460332FDIC
Latest · 2025-12-31

MUNICIPAL TRUST AND SAVINGS BANK is an 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%. CET1 capital ratio: 14.91%, well above regulatory minimums. NPL ratio: 0.02% · Texas Ratio: 0.09%. Operates 2 domestic branches.

Assets
$355M
Deposits
$282M
Loans
$260M
Equity
$53M

Profitability

Return on Assets (ROA)2.48%
Return on Equity (ROE)15.56%
Net Interest Margin5.17%
Yield on Assets6.53%
Cost of Funds1.57%

Asset Quality

NPL Ratio0.02%
Net Charge-Off Ratio0.00%
Texas Ratio0.09%
NPA Ratio0.01%
ACL / Loans1.18%

Capital & Liquidity

CET1 Ratio14.91%
Tier 1 Capital14.91%
Total Capital Ratio15.65%
Leverage Ratio14.21%
Loan-to-Deposit92.06%

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