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Mutual Savings Bank
Franklin, IN · FDIC Certificate #27742 · Chartered 01/0
Total assets
$352.88M
Total deposits
$284.26M
Total equity
$25.33M
Net loans
$220.67M
Branches (offices)
4
Net income (YTD)
$1.55M
Rank: #2,242 of 4,213 U.S. banks by assets · #57 of 87 in Indiana. Assets changed 9.5% and deposits 16.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.88% |
| Return on equity | 12.98% |
| Net interest margin (YTD) | 3.21% |
| Equity to assets | 7.18% |
| Tier 1 leverage ratio | 10.22% |
| Uninsured deposits (share of deposits) | 33.3% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 77.6% |
| Real estate loans (share of loans) | 92.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $204.13M | 92.5% | |
| Commercial & industrial | $15.20M | 6.9% | |
| Consumer / individual | $2.52M | 1.1% | |
| Construction & development | $21.55M | 9.8% | |
| Agricultural | $2.15M | 1.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $273.32M | $238.15M | $1.14M | $17.01M |
| Jun 2023 | $305.94M | $237.68M | $707.00K | $17.81M |
| Jun 2024 | $316.46M | $242.64M | $752.00K | $18.90M |
| Jun 2025 | $322.35M | $244.30M | $1.05M | $18.76M |
| Jun 2026 | $352.88M | $284.26M | $1.55M | $25.33M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Indiana | $284.26M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $284.26M.
Similar-sized banks
Granite Bank ($353.17M) · Glenwood State Bank ($352.86M)
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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