Municipal Trust and Savings 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 1091.25 percentage points higher than in Q1 2026, at 3186.46%. Among 323 Illinois banks, Municipal Trust and Savings Bank sits 8th from the top on return on assets, 2.80% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Municipal Trust and Savings Bank reported 2.80% on return on assets in Q2 2026, 1.55 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.56% |
| Equity capital to assets | 15.32% |
| Tangible equity to tangible assets | 15.32% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.04% |
| Non-performing assets ratio | 0.03% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.16% |
| Allowance for credit losses to loans | 1.17% |
| Reserve coverage of non-performing loans | 3186.46% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.80% |
| Return on equity | 18.43% |
| Net interest margin | 4.79% |
| Efficiency ratio | 36.29% |
| Yield on earning assets | 5.95% |
| Cost of funds | 1.32% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.32% |
| Core deposits to total deposits | 92.33% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 79.99% |
| Securities to assets | 15.70% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 15.37% | 2.66% | 4.18% | 0.00% | 0.00% |
| Q4 2023 | 16.01% | 2.08% | 4.09% | 0.00% | 0.00% |
| Q1 2024 | 16.13% | 2.49% | 3.93% | 0.00% | 0.00% |
| Q2 2024 | 16.53% | 2.36% | 4.12% | 0.00% | 0.00% |
| Q3 2024 | 15.70% | 2.50% | 4.21% | 0.00% | 0.00% |
| Q4 2024 | 16.15% | 1.74% | 4.29% | 0.00% | 0.00% |
| Q1 2025 | 16.98% | 3.22% | 4.39% | 0.00% | 0.00% |
| Q2 2025 | 15.95% | 2.81% | 4.62% | 0.00% | 0.00% |
| Q3 2025 | 16.93% | 3.08% | 4.78% | 0.02% | 0.01% |
| Q4 2025 | 14.87% | 2.44% | 4.84% | 0.02% | 0.00% |
| Q1 2026 | 15.40% | 3.07% | 4.58% | 0.06% | 0.00% |
| Q2 2026 | 15.56% | 2.80% | 4.79% | 0.04% | 0.00% |
Municipal Trust and Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Municipal Trust and Savings 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 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)