Municipal Trust and Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Municipal Trust and Savings Bank is an FDIC-insured commercial bank headquartered in Bourbonnais, IL, established in 1981 (FDIC certificate 23546), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $382.2M, up 7.9% from Q2 2025, the 126th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.56% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 23546
- Headquarters
- Bourbonnais, IL
- Established
- 1981
- Total assets, Q2 2026
- $382.2M
- Assets vs Q2 2025
- +7.9%
- Tier 1 leverage ratio, Q2 2026
- 15.56%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 071924979
- Latest call report
- Q2 2026, FFIEC 051 · Municipal Trust and Savings Bank call report
- Asset rank in state
- 126th of 319 in Illinois
Municipal Trust and Savings Bank is one of the more profitable banks of its size. Its balance sheet stood at $382 million at June 30, 2026, up 7.9% from a year earlier; it is based in Bourbonnais, Illinois. It earns about $2.80 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 36 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Deposits are coming in faster than loans: over the year loans rose 2.5% and deposits rose 7.9%.
As of June 30, 2026, Municipal Trust and Savings Bank reported a return on assets of 2.80%, a nonperforming-loan ratio of 0.04% and a Texas ratio of 0.16%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Municipal Trust and Savings Bank is the 126th largest of the 319 banks headquartered in Illinois. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 5.3% to $382.2M, loans rose 1.7% and deposits rose 4.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 40.4% of total loans, followed by non-owner-occupied commercial real estate loans at 18.2%. The FDIC Summary of Deposits lists 2 offices for it, in Bourbonnais, IL and Momence, IL; its Bourbonnais office books 72% of its branch deposits. On its Q2 2026 call report, Municipal Trust and Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 720 Main St Nw, Bourbonnais, IL 60914
- County
- Kankakee
- Metro Area
- Kankakee, 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
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- October 2, 1981
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 50
- Domestic deposits
- $305.7M
- Allowance for credit losses
- $3.1M
- Net charge-offs (YTD)
- $0
- Average total assets
- $376.3M
- Average total loans
- $257.4M
- Average interest-bearing deposits
- $220.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 2, 1981
- FDIC Cert
- 23546
- Fed RSSD
- 460332
- Website
- WWW.MUNICIPALBANK.COM →
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Municipal Trust and Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Municipal Trust and Savings Bank's total assets ranged from $344.3M (Q3 2023) to $382.2M (Q2 2026), 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
$382.2M total assets against $354.2M; $323.7M total liabilities against $298.0M.
$257.8M net loans and leases against $251.5M; $305.7M total deposits against $283.5M.
$60.0M securities against $60.3M; $57.0M cash and balances due against $35.0M.
$5.4M total interest income against $5.0M; $1.1M total interest expense against $1.0M.
$4.4M net interest income against $4.0M.
$327K total noninterest income against $389K; $1.7M total noninterest expense against $1.7M.
$0 provision for credit losses against $0.
$2.6M net income against $2.5M.
2.80% return on assets against 2.81%; 4.79% net interest margin against 4.62%.
15.56% tier 1 leverage ratio against 15.95%.
Inside the full Municipal Trust and Savings 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.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Municipal Trust and Savings Bank rankings
Its closest position to the top of a national ranking is 98 of 3,611, for ROA; its furthest is 3,188 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.74% (Q4 2024) to 3.22% (Q1 2025) and its net interest margin ran from 4.21% (Q3 2024) to 4.84% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.56% | 2.80% | 0.04% | 0.16% | 4.79% |
| Q1 2026 | 15.40% | 3.07% | 0.06% | 0.25% | 4.58% |
| Q4 2025 | 14.87% | 2.44% | 0.02% | 0.09% | 4.84% |
| Q3 2025 | 16.93% | 3.08% | 0.02% | 0.07% | 4.78% |
| Q2 2025 | 15.95% | 2.81% | 0.00% | 0.00% | 4.62% |
| Q1 2025 | 16.98% | 3.22% | 0.02% | 0.07% | 4.39% |
| Q4 2024 | 16.15% | 1.74% | 0.00% | 0.00% | 4.29% |
| Q3 2024 | 15.70% | 2.50% | 0.00% | 0.00% | 4.21% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Municipal Trust and Savings Bank (main office) | Bourbonnais , IL | 60914 | $220.2M |
| Momence Branch | Momence , IL | 60954 | $85.5M |
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 |
|---|---|---|---|
| July 9, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 9, 1990 | Structure Change | Acquired Eastern Illinois Trust and Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 160 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 195 applications, 165 loans originated, $39.8M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, 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 Municipal Trust and Savings Bank
What are Municipal Trust and Savings Bank's total assets?
As of the Q2 2026 filing, Municipal Trust and Savings Bank reported total assets of $382.2 million in its FFIEC call report.
Where is Municipal Trust and Savings Bank headquartered?
It is headquartered in Bourbonnais, IL, United States.
When was Municipal Trust and Savings Bank founded?
It was established in 1981, per the FDIC institution directory.
Is Municipal Trust and Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #23546). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Municipal Trust and Savings Bank?
Municipal Trust and Savings Bank's primary federal regulator is the FDIC.
How many branches does Municipal Trust and Savings Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Municipal Trust and Savings Bank's Texas Ratio?
Its Texas Ratio is 0.16% 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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