Municipal Trust and Savings Bank: Deposit Base
Data as of · Call Report Schedules RC-E and RC-O How we update
How the bank is funded. Core deposits are the stable, mostly-insured relationship money; brokered and uninsured balances are the fastest to leave. The 2023 regional bank failures were runs on uninsured deposits, which is why that share now gets read first.
Noninterest-bearing share of deposits climbed 2.99 percentage points in Q2 2026, from 27.19% to 30.18%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Municipal Trust and Savings Bank is 134th of 323 on total deposits, $305.7M as of Q2 2026, above the middle of the field. Municipal Trust and Savings Bank reported $305.7M on total deposits for Q2 2026, 10% above the $277.3M median for banks in the $100M-1B asset tier.
Deposit totals
| Line item | Q2 2026 |
|---|---|
| Total deposits | $305.7M |
| Domestic office deposits | $305.7M |
| Foreign office deposits | — |
| Deposits to total assets | 79.99% |
| Deposits to total liabilities | 94.46% |
Deposit composition
| Line item | Q2 2026 |
|---|---|
| Demand deposits | $92.3M |
| Savings deposits | $69.1M |
| Transaction accounts to domestic deposits | 43.07% |
| Time deposits | $27K |
| Time deposits under $100k | $29.7M |
| Time deposits $100k to $250k | $29.1M |
| Time deposits over $250k | $23.4M |
| Noninterest-bearing share of deposits | 30.18% |
Stability of funding
| Line item | Q2 2026 |
|---|---|
| Core deposits | $282.3M |
| Core deposits to total deposits | 92.33% |
| Insured deposits | — |
| Uninsured deposits | — |
| Uninsured deposits to total deposits | — |
| Brokered deposits | $0 |
| Brokered deposits to total deposits | 0.00% |
Cost of deposits
| Line item | Q2 2026 |
|---|---|
| Cost of interest-bearing deposits | 1.83% |
| Interest expense on deposits | $974K |
| Loans and leases to core deposits | 92.41% |
Deposit Base trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|
| Q3 2023 | $276.1M | 93.39% | 1.48% | 1.08% |
| Q4 2023 | $272.3M | 93.47% | 1.09% | 1.46% |
| Q1 2024 | $280.0M | 91.17% | 1.05% | 1.77% |
| Q2 2024 | $281.3M | 91.37% | 0.00% | 1.95% |
| Q3 2024 | $273.7M | 91.86% | 0.00% | 2.04% |
| Q4 2024 | $274.7M | 92.08% | 0.00% | 2.01% |
| Q1 2025 | $280.1M | 91.47% | 0.00% | 1.83% |
| Q2 2025 | $283.5M | 91.57% | 0.00% | 1.83% |
| Q3 2025 | $274.7M | 91.31% | 0.00% | 1.90% |
| Q4 2025 | $282.0M | 92.54% | 0.00% | 1.93% |
| Q1 2026 | $293.1M | 92.18% | 0.00% | 1.84% |
| Q2 2026 | $305.7M | 92.33% | 0.00% | 1.83% |
Municipal Trust and Savings Bank deposit base, all the way back
Deposit Base back to 2001 · peer percentiles on every line item · Excel export
Unlock Municipal Trust and Savings Bank, freeSource: Call Report Schedules RC-E and RC-O, 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 Municipal Trust and Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23546) · FFIEC NIC profile (RSSD 460332)