MUTUAL SAVINGS BANK

FRANKLIN, IN | Small | Est. Jan. 1, 1890, midnight | FDIC #27742 | RSSD #841472 | FDIC
Latest Report: 2025-12-31

MUTUAL SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in FRANKLIN, IN, established in Jan. 1, 1890, midnight. As of 2025-12-31, the bank reported total assets of $349M and total deposits of $280M. Profitability stands at 0.74% ROA and 11.88% ROE, with a net interest margin of 3.10%. The bank's CET1 capital ratio is 12.26%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.17% and a Texas Ratio of 1.43%. FDIC Certificate #27742.

Assets

$349M

Deposits

$280M

Loans

$221M

Equity

$23M

Profitability

Return on Assets (ROA) 0.74%
Return on Equity (ROE) 11.88%
Net Interest Margin (NIM) 3.10%
Yield on Assets 5.42%
Cost of Funds 2.29%

Asset Quality

NPL Ratio 0.17%
Net Charge-Off Ratio 0.00%
Texas Ratio 1.43%
NPA Ratio 0.11%
ACL / Loans 1.43%

Capital & Liquidity

CET1 Ratio 12.26%
Tier 1 Capital 12.26%
Total Capital Ratio 13.39%
Leverage Ratio 10.03%
Loan-to-Deposit 79.02%

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