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Morton Community Bank

$1B-$10B Specialty: Commercial IL FDIC cert 18429

Designations: ✓ Community bank

Morton, IL

50 branches across IL

884 banks in the $1B-$10B peer group nationally 50 in IL
View $1B-$10B leaderboard (IL) →

Morton Community Bank has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.32% above tier average
  • + Efficiency Ratio 11.21% below tier average
  • + Delinquency Rate 0.26% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 0.42% below tier average
Get updates when Morton Community Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $5.3B
-2.6% YoY -2.2% QoQ
+$2.5B $2.8B
-0.1% YoY
$2.3B
+4.5% YoY
$6.2B
+9.1% YoY
Top 13.7% in tier
Total Loans ? $3.5B
-1.1% YoY -2.3% QoQ
+$1.5B $2.0B
+0.6% YoY
$1.2B
+5.3% YoY
$3.2B
+10.8% YoY
Top 14.9% in tier
Total Deposits ? $4.6B
+1.2% YoY -2.5% QoQ
+$2.2B $2.3B
-0.3% YoY
$1.9B
+3.9% YoY
$4.8B
+8.2% YoY
Top 12.6% in tier
Return on Assets ? 1.69%
+22.3% YoY +9.3% QoQ
+0.32% 1.37%
+19.6% YoY
1.04%
+3.0% YoY
1.23%
+13.4% YoY
80%
Net Interest Margin ? 3.40%
+12.3% YoY +5.7% QoQ
-0.42% 3.82%
+6.9% YoY
3.61%
+7.5% YoY
3.89%
+5.7% YoY
35%
Efficiency Ratio ? 49.86%
-5.1% YoY -1.3% QoQ
-11.21% 61.06%
-4.6% YoY
63.68%
-7.4% YoY
66.95%
-4.1% YoY
79%
Delinquency Rate ? 0.63%
-8.1% YoY -9.3% QoQ
-0.26% 0.89%
+14.1% YoY
1.15%
+15.6% YoY
0.95%
+18.8% YoY
45%
Loan-to-Deposit Ratio ? 75.70%
-2.3% YoY +0.3% QoQ
-8.50% 84.20%
+0.3% YoY
71.92%
+1.0% YoY
76.70%
+0.9% YoY
75%
Non-Interest-Bearing Deposit Share ? 21.49%
+2.1% YoY -1.5% QoQ
+0.20% 21.29%
-2.5% YoY
20.45%
-1.2% YoY
22.01%
-1.2% YoY
58%
Nonperforming Asset Ratio ? 0.43%
-16.6% YoY -7.4% QoQ
-0.24% 0.67%
+15.6% YoY
0.78%
+18.1% YoY
0.67%
+19.3% YoY
50%
Tier 1 Capital Ratio ? 14.06%
+5.0% YoY +0.9% QoQ
-1.10% 15.16%
+2.0% YoY
16.97%
+0.7% YoY
17.06%
+0.8% YoY
63%
Non-Interest Income / Assets ? 0.10%
+21.2% YoY -73.9% QoQ
-0.16% 0.26%
+1.6% YoY
0.34%
+6.9% YoY
0.32%
+4.1% YoY
32%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 884 peers in $1B-$10B

Top Strengths (5 metrics)

112
Total Deposits
size
Value: $4.56B
Peer Median: $2.34B
#112 of 884 Top 12.6% in $1B-$10B
122
Total Assets
size
Value: $5.28B
Peer Median: $2.82B
#122 of 884 Top 13.7% in $1B-$10B
133
Total Loans
size
Value: $3.45B
Peer Median: $1.96B
#133 of 884 Top 14.9% in $1B-$10B
182
Return on Assets
profitability
Value: 1.69%
Peer Median: 1.37%
#182 of 884 Top 20.5% in $1B-$10B
190
Efficiency Ratio
profitability
Value: 49.86%
Peer Median: 61.06%
#190 of 884 Top 21.4% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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