BlastPoint's Banking Scorecard
Morton Community Bank
Mid-Market
Specialty: Commercial
IL
FDIC cert 18429
Designations: ✓ Community bank
Morton, IL
201
banks in Mid-Market tier nationally
12 in IL
View Mid-Market leaderboard (IL) →
Morton Community Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 48% in Mid-Market
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.4B
-0.7% YoY
+0.3% QoQ
|
-$5.1B |
$10.5B
+2.9% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 7% in tier |
| Total Loans ? |
$3.5B
-0.9% YoY
+0.2% QoQ
|
-$3.6B |
$7.1B
+4.5% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 11% in tier |
| Total Deposits ? |
$4.7B
+3.8% YoY
+1.4% QoQ
|
-$3.9B |
$8.5B
+3.0% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 13% in tier |
| Return on Assets ? |
1.54%
+16.7% YoY
+3.4% QoQ
|
+0.38% |
1.16%
+9.4% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
77% |
| Net Interest Margin ? |
3.22%
+9.4% YoY
+2.1% QoQ
|
-0.18% |
3.40%
+7.9% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
36% |
| Efficiency Ratio ? |
50.54%
-3.9% YoY
-1.4% QoQ
|
-6.07% |
56.60%
-3.2% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
73% |
| Delinquency Rate ? |
0.69%
-3.1% YoY
+4.6% QoQ
|
+0.01% |
0.68%
+12.0% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
75.50%
-4.6% YoY
-1.2% QoQ
|
-9.97% |
85.47%
+1.1% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
21.82%
+3.9% YoY
+8.6% QoQ
|
+1.18% |
20.64%
-0.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
54% |
| Nonperforming Asset Ratio ? |
0.46%
-14.6% YoY
-7.8% QoQ
|
-0.03% |
0.50%
+7.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
44% |
| Tier 1 Capital Ratio ? |
13.93%
+8.7% YoY
+3.6% QoQ
|
+0.38% |
13.55%
+1.8% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.38%
-2.6% YoY
+41.2% QoQ
|
-0.58% |
0.96%
+7.1% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
21% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#25 of 51 · Top 48% in Mid-Market
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.54%
(Tier: 1.16%, National: 1.12%)
51 of 51 Mid-Market banks match
·
444 nationally
→ Stable
+5 banks QoQ
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
77
77th pctile
Return on Assets
Current: 1.54% · Tier avg: 1.16%
73
73th pctile
Efficiency Ratio
Current: 50.54% · Tier avg: 56.60%
69
69th pctile
Tier 1 Capital Ratio
Current: 13.93% · Tier avg: 13.55%
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 21.82% · Tier avg: 20.64%
44
44th pctile
Nonperforming Asset Ratio
Current: 0.46% · Tier avg: 0.50%
44
44th pctile
Delinquency Rate
Current: 0.69% · Tier avg: 0.68%
36
36th pctile
Net Interest Margin
Current: 3.22% · Tier avg: 3.40%
23
23th pctile
Loan-to-Deposit Ratio
Current: 75.50% · Tier avg: 85.47%
21
21th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.96%
13
13th pctile
Total Deposits
Current: $4.7B · Tier avg: $8.5B
11
11th pctile
Total Loans
Current: $3.5B · Tier avg: $7.1B
7
7th pctile
Total Assets
Current: $5.4B · Tier avg: $10.5B
Top Weaknesses
7
7th pctile
Total Assets
Current: $5.4B · Tier avg: $10.5B
11
11th pctile
Total Loans
Current: $3.5B · Tier avg: $7.1B
13
13th pctile
Total Deposits
Current: $4.7B · Tier avg: $8.5B
21
21th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.96%
23
23th pctile
Loan-to-Deposit Ratio
Current: 75.50% · Tier avg: 85.47%
36
36th pctile
Net Interest Margin
Current: 3.22% · Tier avg: 3.40%
44
44th pctile
Delinquency Rate
Current: 0.69% · Tier avg: 0.68%
44
44th pctile
Nonperforming Asset Ratio
Current: 0.46% · Tier avg: 0.50%
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 21.82% · Tier avg: 20.64%
69
69th pctile
Tier 1 Capital Ratio
Current: 13.93% · Tier avg: 13.55%
73
73th pctile
Efficiency Ratio
Current: 50.54% · Tier avg: 56.60%
77
77th pctile
Return on Assets
Current: 1.54% · Tier avg: 1.16%