| Metric | Morton Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.2% | +5.5% | -7.6 pts |
| Deposit growth (YoY) | +2.2% | +5.1% | -2.9 pts |
| Loan growth (YoY) | -0.8% | +5.9% | -6.8 pts |
| ROA | 1.62% | 1.26% | +0.4 pts |
| ROE | 16.7% | 12.2% | +4.6 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.35B | $4.72B | $3.50B | $502.0M | $43.2M | 1.62% | 3.44% | 0.55% |
| Q1 2026 | $5.28B | $4.56B | $3.45B | $514.4M | $22.5M | 1.69% | 3.40% | 0.43% |
| Q4 2025 | $5.40B | $4.68B | $3.53B | $531.3M | $83.7M | 1.54% | 3.22% | 0.46% |
| Q3 2025 | $5.39B | $4.61B | $3.52B | $506.3M | $60.8M | 1.49% | 3.15% | 0.50% |
| Q2 2025 | $5.47B | $4.62B | $3.53B | $453.6M | $39.4M | 1.45% | 3.08% | 0.48% |
| Q1 2025 | $5.42B | $4.50B | $3.49B | $465.1M | $18.7M | 1.38% | 3.03% | 0.52% |
| Q4 2024 | $5.44B | $4.50B | $3.56B | $419.3M | $72.9M | 1.32% | 2.94% | 0.54% |
| Q3 2024 | $5.57B | $4.65B | $3.50B | $460.3M | $56.6M | 1.37% | 2.90% | 0.61% |
Loan mix (Q2 2026): real estate $2.68B · commercial $545.7M · consumer $85.3M · securities $1.42B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Morton Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.62% | 1.26% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 16.7% | 12.2% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.44% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.3% | 59.0% | 22th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Morton Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Morton Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Morton Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Morton Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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