BlastPoint's Banking Scorecard
Morton Community Bank
Designations: ✓ Community bank
Morton, IL
49 branches across IL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in IL.
- Deposits +2.2% year over year ($4.7B on the books).
- Delinquency rate 0.82%.
- Return on assets 1.62%.
- Efficiency ratio 49.29% vs a 59.73% peer average.
- Loan-to-deposit ratio 74.13% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Morton Community Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.23% above tier average
- + Efficiency Ratio 10.43% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.43% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.3B
-2.2% YoY
+1.3% QoQ
|
+$2.6B |
$2.8B
-0.6% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
Top 13.0% in tier |
| Total Loans ? |
$3.5B
-0.8% YoY
+1.4% QoQ
|
+$1.5B |
$2.0B
-0.3% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
Top 14.6% in tier |
| Total Deposits ? |
$4.7B
+2.2% YoY
+3.6% QoQ
|
+$2.4B |
$2.3B
-0.5% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
Top 11.6% in tier |
| Return on Assets ? |
1.62%
+11.8% YoY
-4.2% QoQ
|
+0.23% |
1.39%
+17.0% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
75% |
| Net Interest Margin ? |
3.44%
+11.4% YoY
+1.0% QoQ
|
-0.43% |
3.87%
+6.2% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
33% |
| Efficiency Ratio ? |
49.29%
-4.2% YoY
-1.1% QoQ
|
-10.43% |
59.73%
-12.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
79% |
| Delinquency Rate ? |
0.82%
+31.3% YoY
+30.6% QoQ
|
-0.05% |
0.87%
+11.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
74.13%
-2.9% YoY
-2.1% QoQ
|
-10.91% |
85.04%
-0.1% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
19.99%
-0.4% YoY
-7.0% QoQ
|
-1.29% |
21.27%
-1.5% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
51% |
| Nonperforming Asset Ratio ? |
0.55%
+13.3% YoY
+27.7% QoQ
|
-0.13% |
0.67%
+11.7% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
40% |
| Tier 1 Capital Ratio ? |
13.59%
+5.1% YoY
-3.4% QoQ
|
-1.25% |
14.84%
-0.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.22%
+27.6% YoY
+119.3% QoQ
|
-0.31% |
0.53%
+2.5% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
34% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
20.0%
-0.1pp YoY -1.5pp QoQ |
-1.4pp | 21.4% | 20.1% | 22.2% | 51% |
| Brokered Deposits |
9.4%
+1.5pp YoY +0.2pp QoQ |
-0.1pp | 9.5% | 8.0% | 8.5% | 67% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
15.6%
+0.1pp YoY -0.5pp QoQ |
+1.6pp | 14.0% | 14.7% | 12.5% | 69% |
| CRE |
54.5%
-1.1pp YoY +0.5pp QoQ |
+4.5pp | 50.0% | 37.9% | 41.4% | 63% |
| 1-4 Family |
16.0%
+0.2pp YoY -0.1pp QoQ |
-10.5pp | 26.4% | 28.3% | 31.3% | 34% |
| Consumer |
2.4%
+0.3pp YoY 0.0pp QoQ |
-2.3pp | 4.7% | 5.4% | 5.0% | 69% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.6%
+0.7pp YoY -0.5pp QoQ |
-2.0pp | 15.6% | 19.9% | 19.7% | 51% |
| Leverage Ratio |
10.6%
+0.7pp YoY -0.2pp QoQ |
-0.7pp | 11.3% | 12.2% | 12.6% | 52% |
| Total Capital Ratio |
14.6%
+0.6pp YoY -0.5pp QoQ |
-2.1pp | 16.7% | 20.9% | 20.8% | 48% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
555
-9 (-1.6%) YoY +4 (+0.7%) QoQ |
+241 | 313 | 228 | 482 | 86% |
| Assets per Employee ($) |
$9.6M
-0.6% YoY +0.6% QoQ |
-$842K | $10.5M | $8.3M | $8.8M | 62% |
| Branch Count |
49
0 YoY 0 QoQ |
+29 | 20 | 10 | 18 | 93% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
+0.1pp YoY +0.1pp QoQ |
0.0pp | 0.2% | 0.4% | 0.4% | 88% |
| Nonaccrual |
0.6%
+0.1pp YoY +0.1pp QoQ |
-0.2pp | 0.8% | 1.1% | 1.0% | 58% |
| Allowance Coverage |
1.41x
-24.7% YoY -22.5% QoQ |
-17.30x | 18.71x | 5.62x | 20.23x | 36% |
| Net Charge-off Rate (YTD) |
0.3%
+0.3pp YoY -0.1pp QoQ |
+0.1pp | 0.3% | 0.1% | 0.2% | 87% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.7%
-0.9pp YoY -0.5pp QoQ |
+4.1pp | 12.6% | 10.5% | 11.6% | 82% |
| Cost of Funds (YTD) |
1.6%
-0.3pp YoY 0.0pp QoQ |
-0.3pp | 1.9% | 1.6% | 1.7% | 30% |
| Net Income ($, YTD) |
$43.2M
+9.7% YoY — QoQ |
+$23.9M | $19.2M | $11.7M | $40.4M | 90% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.