Mutual Federal Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Mutual Federal Bank of Chicago, IL against its peer group of 506 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 | 0.62% | 3.14% | -2.52% | 31st below |
| ROAE | 3.83% | 10.32% | -6.49% | 28th below |
| Net Interest Margin | 3.71% | 3.94% | -0.23% | 40th below |
| Efficiency Ratio | 83.04% | 76.30% | +6.74% | 26th below |
| PPNR / Avg Assets | 0.62% | 1.41% | -0.79% | 25th below |
| Yield on Earning Assets | 5.46% | 5.35% | +0.11% | 60th above |
| Cost of Funds | 2.66% | 1.70% | +0.96% | 13th bottom |
| Net Interest Spread | 3.28% | 3.32% | -0.04% | 46th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 1.19% | 1.34% | -0.15% | 27th below |
| NPA / Total Assets | 1.03% | 0.71% | +0.32% | 20th bottom |
| NCO / Avg Loans | 0.00% | 0.10% | -0.10% | 53rd above |
| ACL / Total Loans | 1.52% | 1.49% | +0.03% | 68th above |
| ACL / NPLs (Coverage) | 128.11% | 868.09% | -739.98% | 45th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.79% | 8.27% | -2.48% | 30th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 24.54% | 62.38% | -37.84% | 57th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 24.54% | 62.39% | -37.85% | 57th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 25.80% | 63.35% | -37.55% | 57th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 16.34% | 17.65% | -1.31% | 72nd above |
| Equity / Assets | 16.52% | 16.45% | +0.07% | 72nd above |
| TCE / Tangible Assets | 16.52% | 16.19% | +0.33% | 74th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 131.81% | 72.68% | +59.13% | 1st bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 89.58% | 88.27% | +1.31% | 39th below |
| Wholesale Funding Ratio | 17.10% | 5.09% | +12.01% | 3rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.01% | 4.27% | -5.28% | 27th below |
| Loan Growth (Y/Y) | -1.41% | 6.78% | -8.19% | 34th below |
| Deposit Growth (Y/Y) | -0.08% | 3.73% | -3.81% | 35th below |
See Mutual Federal Bank's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Mutual Federal 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 Mutual Federal Bank profile, how to read a UBPR, or how this data updates.