Municipal Trust and Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Municipal Trust and Savings Bank of Bourbonnais, IL against its peer group of 2672 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 | 2.80% | 1.34% | +1.46% | 96th top |
| ROAE | 18.43% | 13.31% | +5.12% | 81st top |
| Net Interest Margin | 4.79% | 3.93% | +0.86% | 88th top |
| Efficiency Ratio | 36.29% | 61.15% | -24.86% | 97th top |
| PPNR / Avg Assets | 3.17% | 1.68% | +1.49% | 97th top |
| Yield on Earning Assets | 5.95% | 5.67% | +0.28% | 66th above |
| Cost of Funds | 1.32% | 1.88% | -0.56% | 79th top |
| Net Interest Spread | 4.09% | 3.32% | +0.77% | 86th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.04% | 0.94% | -0.90% | 80th top |
| NPA / Total Assets | 0.03% | 0.70% | -0.67% | 82nd top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.17% | 1.28% | -0.11% | 47th below |
| ACL / NPLs (Coverage) | 3186.46% | 1538.01% | +1648.45% | — |
| Texas Ratio | 0.16% | 7.33% | -7.17% | 87th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 15.56% | 12.14% | +3.42% | 89th top |
| Equity / Assets | 15.32% | 11.37% | +3.95% | 89th top |
| TCE / Tangible Assets | 15.32% | 11.09% | +4.23% | 90th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.32% | 80.64% | +4.68% | 40th below |
| Core Deposit Ratio | 92.33% | 86.86% | +5.47% | 69th above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.48% | 5.03% | -0.55% | 42nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.90% | 6.85% | +1.05% | 74th above |
| Loan Growth (Y/Y) | 2.53% | 7.90% | -5.37% | 34th below |
| Deposit Growth (Y/Y) | 7.86% | 6.29% | +1.57% | 75th top |
See Municipal Trust and Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Municipal Trust and Savings 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 Municipal Trust and Savings Bank profile, how to read a UBPR, or how this data updates.