BlastPoint's Banking Scorecard
Municipal Trust and Savings Bank
Micro
Specialty: Commercial
IL
FDIC cert 23546
Designations: ✓ Community bank
Bourbonnais, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Municipal Trust and Savings Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.80% above tier
- + Efficiency Ratio 28.94% below tier
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 ? |
$355.0M
+1.3% YoY
+2.0% QoQ
|
+$137.5M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
81% |
| Total Loans ? |
$256.5M
+4.4% YoY
+0.5% QoQ
|
+$117.4M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Top 14% in tier |
| Total Deposits ? |
$282.0M
+2.7% YoY
+2.6% QoQ
|
+$98.3M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
78% |
| Return on Assets ? |
2.88%
+26.5% YoY
-4.7% QoQ
|
+1.80% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Top 2% in tier |
| Net Interest Margin ? |
4.70%
+12.5% YoY
+1.5% QoQ
|
+0.84% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
84% |
| Efficiency Ratio ? |
38.78%
-6.4% YoY
+8.4% QoQ
|
-28.94% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Top 2% in tier |
| Delinquency Rate ? |
0.02%
+8.5% QoQ
|
-0.62% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
90.97%
+1.6% YoY
-2.1% QoQ
|
+16.45% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
25.50%
-3.6% YoY
-3.3% QoQ
|
+3.10% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.01%
+7.0% QoQ
|
-0.44% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
80% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.43%
+21.9% YoY
+20.4% QoQ
|
-0.13% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
60% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 2%
in Micro
Why this stands out
Current:
2.88%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
38.78%
(Tier avg: 67.73%, National avg: 65.09%)
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
98
98th pctile
Efficiency Ratio
Current: 38.78% · Tier avg: 67.73%
98
98th pctile
Return on Assets
Current: 2.88% · Tier avg: 1.08%
86
86th pctile
Total Loans
Current: $256.5M · Tier avg: $139.2M
84
84th pctile
Net Interest Margin
Current: 4.70% · Tier avg: 3.85%
81
81th pctile
Total Assets
Current: $355.0M · Tier avg: $217.5M
80
80th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
80
80th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
78
78th pctile
Total Deposits
Current: $282.0M · Tier avg: $183.7M
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 25.50% · Tier avg: 22.39%
60
60th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
21
21th pctile
Loan-to-Deposit Ratio
Current: 90.97% · Tier avg: 74.53%
Top Weaknesses
21
21th pctile
Loan-to-Deposit Ratio
Current: 90.97% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
60
60th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.56%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 25.50% · Tier avg: 22.39%
78
78th pctile
Total Deposits
Current: $282.0M · Tier avg: $183.7M
80
80th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
81
81th pctile
Total Assets
Current: $355.0M · Tier avg: $217.5M
84
84th pctile
Net Interest Margin
Current: 4.70% · Tier avg: 3.85%
86
86th pctile
Total Loans
Current: $256.5M · Tier avg: $139.2M
98
98th pctile
Return on Assets
Current: 2.88% · Tier avg: 1.08%
98
98th pctile
Efficiency Ratio
Current: 38.78% · Tier avg: 67.73%