Morton Community Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 30.77 percentage points in Q2 2026, from 111.67% to 80.90%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Morton Community Bank is 94th of 323 on return on assets, 1.53% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Morton Community Bank sits 0.25 points higher, at 1.53% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.59% |
| Tier 1 risk-based capital ratio | 13.59% |
| Total risk-based capital ratio | 14.59% |
| Tier 1 leverage ratio | 10.62% |
| Equity capital to assets | 9.38% |
| Tangible equity to tangible assets | 8.07% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.41% |
| Non-performing assets ratio | 0.95% |
| Net charge-off ratio | 0.28% |
| Texas ratio | 12.38% |
| Allowance for credit losses to loans | 1.14% |
| Reserve coverage of non-performing loans | 80.90% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.53% |
| Return on equity | 16.27% |
| Net interest margin | 3.41% |
| Efficiency ratio | 48.41% |
| Yield on earning assets | 4.99% |
| Cost of funds | 1.57% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.98% |
| Core deposits to total deposits | 84.57% |
| Brokered deposits to total deposits | 9.38% |
| Deposits to assets | 88.27% |
| Securities to assets | 26.52% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.78% | 11.78% | 12.71% | 8.79% | 1.29% |
| Q4 2023 | 11.93% | 11.93% | 12.89% | 9.11% | 1.28% |
| Q1 2024 | 12.20% | 12.20% | 13.15% | 9.33% | 1.28% |
| Q2 2024 | 12.12% | 12.12% | 13.08% | 9.20% | 1.30% |
| Q3 2024 | 12.53% | 12.53% | 13.48% | 9.52% | 1.41% |
| Q4 2024 | 12.81% | 12.81% | 13.80% | 9.76% | 1.15% |
| Q1 2025 | 13.39% | 13.39% | 14.41% | 10.10% | 1.34% |
| Q2 2025 | 12.93% | 12.93% | 13.94% | 9.91% | 1.48% |
| Q3 2025 | 13.45% | 13.45% | 14.47% | 10.32% | 1.55% |
| Q4 2025 | 13.93% | 13.93% | 14.99% | 10.79% | 1.67% |
| Q1 2026 | 14.06% | 14.06% | 15.05% | 10.81% | 1.66% |
| Q2 2026 | 13.59% | 13.59% | 14.59% | 10.62% | 1.53% |
Morton Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Morton Community Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Morton Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18429) · FFIEC NIC profile (RSSD 825146)