Morton Community Bank
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Data as of · sourced from FFIEC call reports. How we update
Morton Community Bank is an FDIC-insured commercial bank headquartered in Morton, IL, established in 1961 (FDIC certificate 18429), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $5.35B, down 2.2% from Q2 2025, the 15th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 13.59% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 18429
- Headquarters
- Morton, IL
- Established
- 1961
- Total assets, Q2 2026
- $5.35B
- Assets vs Q2 2025
- -2.2%
- CET1 ratio, Q2 2026
- 13.59%
- Domestic offices
- 49 FDIC institution directory, current count
- Routing number
- 071123204
- Latest call report
- Q2 2026, FFIEC 041 · Morton Community Bank call report
- Holding company
- HOMETOWN COMMUNITY BANCORP, INC.
- Asset rank in state
- 15th of 319 in Illinois
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%. The figures come from its call report filed with the FFIEC.
Morton Community Bank ranks as the 15th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.3% to $5.35B, loans rose 1.5% and deposits rose 3.6%. Non-owner-occupied commercial real estate loans made up 20.1% of its total loans on June 30, 2026, its largest category; next came multifamily loans at 17.2%. Its 48 offices in the FDIC Summary of Deposits are in 36 cities in IL; its Morton 3 offices book 26% of its branch deposits. On its Q2 2026 call report, Morton Community Bank meets every capital ratio test for well capitalized.
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
- Domestic offices
- 49 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Morton Community Bank's total assets ran between $5.28B (Q1 2026) and $5.58B (Q4 2023), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$5.35B total assets against $5.47B; $4.85B total liabilities against $5.01B.
$3.50B net loans and leases against $3.53B; $4.72B total deposits against $4.62B.
$1.42B securities against $1.44B; $215.1M cash and balances due against $261.7M.
$64.6M total interest income against $65.7M; $20.5M total interest expense against $25.2M.
$44.1M net interest income against $40.5M.
$6.3M total noninterest income against $4.8M; $26.1M total noninterest expense against $24.5M.
$3.5M provision for credit losses against $0.
$20.7M net income against $20.6M.
1.53% return on assets against 1.48%; 3.41% net interest margin against 3.04%.
13.59% CET1 capital ratio against 12.93%; 10.62% tier 1 leverage ratio against 9.91%.
Inside the full Morton Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 270 of 4,196, for total assets; its furthest is 642 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.15% (Q4 2024) to 1.67% (Q4 2025) and its net interest margin ran from 2.89% (Q3 2024) to 3.41% (Q2 2026).
| 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
View all 48 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in IL, rank 24 of 379 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Morton Community Bank headquartered?
It is headquartered in Morton, IL, United States.
When was Morton Community Bank founded?
It was established in 1961, per the FDIC institution directory.
Is Morton Community Bank FDIC-insured?
Yes. It 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.
What is Morton Community Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 6.30% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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