Mutual Federal 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.
Reserve coverage of non-performing loans climbed 21.07 percentage points in Q2 2026, from 107.05% to 128.11%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Mutual Federal Bank is 263rd of 323 on return on assets, 0.62% as of Q2 2026, below the middle of the field. Mutual Federal Bank reported 0.62% on return on assets for Q2 2026, 0.36 points below the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 24.54% |
| Tier 1 risk-based capital ratio | 24.54% |
| Total risk-based capital ratio | 25.80% |
| Tier 1 leverage ratio | 16.34% |
| Equity capital to assets | 16.52% |
| Tangible equity to tangible assets | 16.52% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.19% |
| Non-performing assets ratio | 1.03% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 5.79% |
| Allowance for credit losses to loans | 1.52% |
| Reserve coverage of non-performing loans | 128.11% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.62% |
| Return on equity | 3.83% |
| Net interest margin | 3.71% |
| Efficiency ratio | 83.04% |
| Yield on earning assets | 5.46% |
| Cost of funds | 2.66% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 131.81% |
| Core deposits to total deposits | 89.58% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 65.84% |
| Securities to assets | — |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 21.27% | 21.27% | 22.53% | 14.24% | -0.18% |
| Q4 2023 | 22.49% | 22.49% | 23.75% | 15.07% | 0.70% |
| Q1 2024 | 22.99% | 22.99% | 24.25% | 15.41% | 0.33% |
| Q2 2024 | 24.06% | 24.06% | 25.32% | 15.95% | 0.51% |
| Q3 2024 | 24.15% | 24.15% | 25.41% | 16.60% | -0.32% |
| Q4 2024 | 23.16% | 23.16% | 24.42% | 16.46% | -1.57% |
| Q1 2025 | 22.99% | 22.99% | 24.25% | 15.59% | 0.69% |
| Q2 2025 | 23.33% | 23.33% | 24.59% | 15.61% | 0.58% |
| Q3 2025 | 23.82% | 23.82% | 25.07% | 16.19% | 0.62% |
| Q4 2025 | 23.19% | 23.19% | 24.45% | 16.37% | 0.61% |
| Q1 2026 | 23.88% | 23.88% | 25.13% | 16.35% | 0.59% |
| Q2 2026 | 24.54% | 24.54% | 25.80% | 16.34% | 0.62% |
Mutual Federal Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Mutual Federal 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 Mutual Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28302) · FFIEC NIC profile (RSSD 235174)