Mutual 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.
Compared with Q1 2026, Loan-to-deposit ratio rose 0.68 percentage points in Q2 2026 to 78.72%, the biggest move on this page. Within Indiana, Mutual Savings Bank is 54th of 87 on return on assets, 0.97% as of Q2 2026, below the middle of the field. Mutual Savings Bank reported 0.97% on return on assets for Q2 2026, 0.29 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.05% |
| Tier 1 risk-based capital ratio | 13.05% |
| Total risk-based capital ratio | 14.27% |
| Tier 1 leverage ratio | 10.22% |
| Equity capital to assets | 7.14% |
| Tangible equity to tangible assets | 7.14% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.39% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.97% |
| Return on equity | 13.71% |
| Net interest margin | 3.20% |
| Efficiency ratio | 68.64% |
| Yield on earning assets | 5.27% |
| Cost of funds | 2.21% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.72% |
| Core deposits to total deposits | 90.77% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 80.56% |
| Securities to assets | 22.08% |
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 | 12.36% | 12.36% | 13.36% | 10.02% | 0.47% |
| Q4 2023 | 12.31% | 12.31% | 13.30% | 9.93% | 0.45% |
| Q1 2024 | 12.58% | 12.58% | 13.66% | 9.63% | 0.52% |
| Q2 2024 | 12.20% | 12.20% | 13.25% | 9.85% | 0.39% |
| Q3 2024 | 11.85% | 11.85% | 12.84% | 9.79% | 0.46% |
| Q4 2024 | 12.06% | 12.06% | 13.07% | 9.98% | 0.72% |
| Q1 2025 | 12.36% | 12.36% | 13.45% | 9.95% | 0.67% |
| Q2 2025 | 12.36% | 12.36% | 13.45% | 9.98% | 0.60% |
| Q3 2025 | 12.89% | 12.89% | 14.04% | 9.63% | 0.67% |
| Q4 2025 | 12.26% | 12.26% | 13.39% | 10.03% | 0.76% |
| Q1 2026 | 13.05% | 13.05% | 14.30% | 10.01% | 0.82% |
| Q2 2026 | 13.05% | 13.05% | 14.27% | 10.22% | 0.97% |
Mutual Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Mutual 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 Mutual Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27742) · FFIEC NIC profile (RSSD 841472)