Morton Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Morton Community Bank of Morton, IL against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.53% | 1.44% | +0.09% | 68th above |
| ROAE | 16.27% | 12.50% | +3.77% | 78th top |
| Net Interest Margin | 3.41% | 3.84% | -0.43% | 31st below |
| Efficiency Ratio | 48.41% | 58.88% | -10.47% | 79th top |
| PPNR / Avg Assets | 1.80% | 1.78% | +0.02% | 56th above |
| Yield on Earning Assets | 4.99% | 5.71% | -0.72% | 19th bottom |
| Cost of Funds | 1.57% | 2.03% | -0.46% | 77th top |
| Net Interest Spread | 2.85% | 3.18% | -0.33% | 36th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.41% | 0.96% | +0.45% | 20th bottom |
| NPA / Total Assets | 0.95% | 0.75% | +0.20% | 26th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.28% | 0.31% | -0.03% | 15th bottom |
| ACL / Total Loans | 1.14% | 1.25% | -0.11% | 49th below |
| ACL / NPLs (Coverage) | 80.90% | 699.53% | -618.63% | 21st bottom |
| Texas Ratio | 12.38% | 7.16% | +5.22% | 16th bottom |
| Provision / NCO | 60.62% | 815.53% | -754.91% | 21st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.59% | 17.41% | -3.82% | 52nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.59% | 17.45% | -3.86% | 51st above |
| Total Capital Ratio | 14.59% | 18.50% | -3.91% | 48th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.62% | 11.60% | -0.98% | 53rd above |
| Equity / Assets | 9.38% | 11.33% | -1.95% | 29th below |
| TCE / Tangible Assets | 8.07% | 10.65% | -2.58% | 12th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.98% | 86.36% | -11.38% | 78th top |
| Core Deposit Ratio | 84.57% | 85.56% | -0.99% | 33rd below |
| Uninsured Deposit Ratio | 26.93% | 32.72% | -5.79% | 64th above |
| Wholesale Funding Ratio | 2.01% | 5.46% | -3.45% | 68th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.16% | 10.47% | -12.63% | 8th bottom |
| Loan Growth (Y/Y) | -0.85% | 8.00% | -8.85% | 14th bottom |
| Deposit Growth (Y/Y) | 2.16% | 7.99% | -5.83% | 31st below |
See Morton Community Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Morton Community Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Morton Community Bank profile, how to read a UBPR, or how this data updates.