BlastPoint's Banking Scorecard

Mutual Federal Bank

under $100M Specialty: Mortgage IL FDIC cert 28302

Designations: ✓ Community bank

Chicago, IL

541 banks in the under $100M peer group nationally 61 in IL

Mutual Federal Bank has 2 strengths but faces 4 concerns

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

+ Efficiency Ratio 4.89% below tier average
+ Delinquency Rate 0.07% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 72.01% above tier average
- Non-Interest Income / Assets 0.65% below tier average
- ROA 0.25% below tier average
- Net Interest Margin 0.15% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$98.0M +1.0% YoY +0.7% QoQ	+$35.8M	$62.2M -0.6% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Top 2.4% in tier
Total Loans ?	$85.1M +0.7% YoY +0.1% QoQ	+$50.9M	$34.2M -1.4% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	Top 0.2% in tier
Total Deposits ?	$62.5M -1.2% YoY -1.0% QoQ	+$10.7M	$51.7M -0.7% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	63%
Return on Assets ?	0.59% -15.9% YoY -6.4% QoQ	-0.25%	0.84% -2.3% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	34%
Net Interest Margin ?	3.71% -3.1% YoY -0.7% QoQ	-0.15%	3.86% +2.8% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	44%
Efficiency Ratio ?	83.45% +2.3% YoY +1.0% QoQ	-4.89%	88.34% +0.3% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	29%
Delinquency Rate ?	1.30% -46.3% YoY -7.4% QoQ	-0.07%	1.37% +33.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	29%
Loan-to-Deposit Ratio ?	136.22% +1.9% YoY +1.1% QoQ	+72.01%	64.22% -0.7% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	Bottom 1.3% in tier
Non-Interest-Bearing Deposit Share ?	6.70% -5.7% YoY -4.0% QoQ	-17.01%	23.71% +0.3% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	Bottom 11.8% in tier
Nonperforming Asset Ratio ?	1.13% -46.5% YoY -8.0% QoQ	+0.34%	0.79% +28.2% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	22%
Tier 1 Capital Ratio ?	23.88% +3.9% YoY +3.0% QoQ	-2.81%	26.68% +2.0% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	78%
Non-Interest Income / Assets ?	0.01% -67.9% YoY -83.2% QoQ	-0.65%	0.67% +1.9% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	Bottom 7.0% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (3 metrics)

Total Loans

size

Value: $85.10M

Peer Median: $34.25M

#2 of 541 Top 0.2% in under $100M

Total Assets

size

Value: $97.97M

Peer Median: $62.16M

#14 of 541 Top 2.4% in under $100M

122

Tier 1 Capital Ratio

capital

Value: 23.88%

Peer Median: 26.68%

#122 of 541 Top 22.4% in under $100M

Top Weaknesses (4 metrics)

535

Loan-to-Deposit Ratio

liquidity

Value: 136.22%

Peer Median: 64.22%

#535 of 541 Bottom 1.3% in under $100M

504

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.67%

#504 of 541 Bottom 7.0% in under $100M

478

Non-Interest-Bearing Deposit Share

funding

Value: 6.70%

Peer Median: 23.71%

#478 of 541 Bottom 11.8% in under $100M

422

Nonperforming Asset Ratio

credit_quality

Value: 1.13%

Peer Median: 0.79%

#422 of 541 Bottom 22.2% in under $100M