Morton Community Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Morton Community Bank, based in Morton, Illinois, reported $5.3 billion in assets at June 30, 2026, down 2.2% from a year earlier. It shrank its loan book 0.8% over the year, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 5.9%). It also spends about 48 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 58 cents).
Loans and deposits moved in opposite directions: over the year loans fell 0.8% and deposits rose 2.2%. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.81% of loans from 0.62% a year earlier.
As of June 30, 2026, Morton Community Bank reported a CET1 capital ratio of 13.59%, a return on assets of 1.53%, a nonperforming-loan ratio of 0.81% and a Texas ratio of 6.30%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 721 W Jackson St, Morton, IL 61550
- County
- Tazewell
- Metro Area
- Peoria, IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- August 26, 1961
- Offices
- 49 domestic
- Employees (FTE)
- 555
- Domestic deposits
- $4.72B
- Allowance for credit losses
- $40.5M
- Net charge-offs (YTD)
- $5.8M
- Average total assets
- $5.42B
- Average total loans
- $3.51B
- Average interest-bearing deposits
- $4.11B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 26, 1961
- FDIC Cert
- 18429
- Fed RSSD
- 825146
- Website
- www.hometownbanks.com →
- Parent Holding Company
- HOMETOWN COMMUNITY BANCORP, INC. (RSSD 2592714)
- Ultimate Parent
- RSSD 2762795
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Morton Community Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Morton Community Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Morton Community Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.59% | 1.53% | 0.81% | 6.30% | 3.41% |
| Q1 2026 | 14.06% | 1.66% | 0.62% | 4.77% | 3.34% |
| Q4 2025 | 13.93% | 1.67% | 0.68% | 5.06% | 3.35% |
| Q3 2025 | 13.45% | 1.55% | 0.65% | 5.81% | 3.18% |
| Q2 2025 | 12.93% | 1.48% | 0.62% | 6.42% | 3.04% |
| Q1 2025 | 13.39% | 1.34% | 0.68% | 6.62% | 2.92% |
| Q4 2024 | 12.81% | 1.15% | 0.71% | 7.88% | 2.92% |
| Q3 2024 | 12.53% | 1.41% | 0.82% | 8.24% | 2.89% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 48 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Morton Community Bank (main office) | Morton , IL | 61550 | $1.11B |
| East Peoria Fondulac Bank Branch | East Peoria , IL | 61611 | $722.1M |
| Springfield Branch | Springfield , IL | 62704 | $207.2M |
| Morton Community Bank Branch | Macomb , IL | 61455 | $198.8M |
| University Street Branch | Peoria , IL | 61614 | $193.5M |
| Arthur Branch | Arthur , IL | 61911 | $185.1M |
| Fondulac Plaza Branch | East Peoria , IL | 61611 | $173.4M |
| Pekin Savings Branch | Pekin , IL | 61554 | $168.4M |
| Washington Branch | Washington , IL | 61571 | $123.1M |
| Roanoke Branch | Roanoke , IL | 61561 | $111.1M |
| Minonk Branch | Minonk , IL | 61760 | $100.7M |
| Peoria - Pioneer Parkway | Peoria , IL | 61615 | $84.9M |
| Main Street Branch | Morton , IL | 61550 | $84.6M |
| Speer Branch | Speer , IL | 61479 | $68.1M |
| Eureka Branch | Eureka , IL | 61530 | $66.9M |
| Minier Banking Center | Minier , IL | 61759 | $65.1M |
| Sangamon Branch | Springfield , IL | 62702 | $62.8M |
| Bloomington Branch | Bloomington , IL | 61704 | $59.1M |
| Hanna City Branch | Hanna City , IL | 61536 | $55.8M |
| 209 South Main Street Office | Albany , IL | 61230 | $54.0M |
| People's State Bank Branch | Manito , IL | 61546 | $52.2M |
| Fairbury Branch | Fairbury , IL | 61739 | $49.8M |
| Toluca Branch | Toluca , IL | 61369 | $48.4M |
| Sixth Street Branch | Springfield , IL | 62703 | $47.9M |
| Port Byron Branch | Port Byron , IL | 61275 | $47.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 10, 2023 | M&A | Acquired Marine Bank merger for the acquired bank | SEC |
| June 10, 2023 | Structure Change | Acquired Marine Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 9, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 7, 2019 | M&A | Acquired First Trust & Savings Bank of Albany, Illinois merger for the acquired bank | SEC |
| December 7, 2019 | Structure Change | Acquired First Trust & Savings Bank of Albany, Illinois Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 6, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 17, 2018 | M&A | Acquired State Bank of Speer merger for the acquired bank | SEC |
| March 17, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 17, 2018 | Structure Change | Acquired State Bank of Speer Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 7, 2017 | M&A | Acquired State Bank of Arthur merger for the acquired bank | SEC |
| October 7, 2017 | Structure Change | Acquired State Bank of Arthur Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 6, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 9, 2016 | M&A | Acquired Heritage Bank of Central Illinois merger for the acquired bank | SEC |
| July 9, 2016 | Structure Change | Acquired Heritage Bank of Central Illinois Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 8, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 11, 2010 | M&A | Acquired Citizens State Bank of Cropsey merger for the acquired bank | SEC |
| December 11, 2010 | Structure Change | Acquired Citizens State Bank of Cropsey Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 10, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 14, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 14, 2010 | Structure Change | Acquired Tremont Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 14, 2010 | M&A | Acquired Tremont Savings Bank merger for the acquired bank | SEC |
| May 23, 2009 | Structure Change | Acquired Citizens National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 23, 2009 | M&A | Acquired Citizens National Bank failure_government_assistance_provided for the acquired bank | SEC |
| May 22, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| September 6, 2008 | Structure Change | Acquired Alpha Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 6, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 6, 2008 | M&A | Acquired Alpha Community Bank merger for the acquired bank | SEC |
| October 21, 2006 | M&A | Acquired People's State Bank merger for the acquired bank | SEC |
| October 21, 2006 | Structure Change | Acquired People's State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 20, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 9, 2005 | Structure Change | Acquired Pekin Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 9, 2005 | M&A | Acquired Pekin Savings Bank merger for the acquired bank | SEC |
| December 8, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1999 | M&A | Acquired Sunstar Bank merger for the acquired bank | SEC |
| April 1, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1999 | Structure Change | Acquired Sunstar Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 2, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1989 | Structure Change | Acquired The Morton Trust & Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1989 | M&A | Acquired The Morton Trust & Savings Bank merger for the acquired bank | SEC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 39 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Morton Community Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.6% of deposits in IL, rank 24 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,775 applications, 1,426 loans originated, $299.1M originated, across 11 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 10 loans, $1.1M approved, $114K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Morton Community Bank
What are Morton Community Bank's total assets?
As of the Q2 2026 filing, Morton Community Bank reported total assets of $5.35 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Morton Community Bank headquartered?
Morton Community Bank is headquartered in Morton, IL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Morton Community Bank founded?
Morton Community Bank was established in 1961, per the FDIC institution directory.
Is Morton Community Bank FDIC-insured?
Yes. Morton Community Bank is an FDIC-insured commercial bank (FDIC Certificate #18429). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Morton Community Bank?
Morton Community Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Morton Community Bank's CET1 capital ratio?
Morton Community Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.59% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Morton Community Bank operate?
Morton Community Bank operates 49 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Morton Community Bank's Texas Ratio?
Morton Community Bank's Texas Ratio is 6.30% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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