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Municipal Trust And Savings Bank
Bourbonnais, IL · FDIC Certificate #23546 · Chartered 10/0
Total assets
$382.22M
Total deposits
$305.73M
Total equity
$58.54M
Net loans
$257.81M
Branches (offices)
2
Net income (YTD)
$5.42M
Rank: #2,137 of 4,213 U.S. banks by assets · #128 of 322 in Illinois. Assets changed 7.9% and deposits 7.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.96% |
| Return on equity | 19.41% |
| Net interest margin (YTD) | 4.71% |
| Equity to assets | 15.32% |
| Tier 1 leverage ratio | 15.56% |
| Uninsured deposits (share of deposits) | 22.6% |
| Noncurrent loans (share of loans) | 0.04% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 84.3% |
| Real estate loans (share of loans) | 96.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $248.57M | 96.4% | |
| Commercial & industrial | $10.42M | 4.0% | |
| Consumer / individual | $865.00K | 0.3% | |
| Construction & development | $5.70M | 2.2% | |
| Agricultural | $62.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $361.46M | $296.02M | $3.80M | $50.18M |
| Jun 2023 | $349.57M | $285.87M | $4.36M | $50.82M |
| Jun 2024 | $357.33M | $281.33M | $4.31M | $59.22M |
| Jun 2025 | $354.25M | $283.46M | $5.31M | $56.26M |
| Jun 2026 | $382.22M | $305.73M | $5.42M | $58.54M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $305.73M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $305.73M.
Similar-sized banks
Tcm Bank, National Association ($382.35M) · Commercial Bank ($382.19M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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