BlastPoint's Banking Scorecard
Mutual Federal Bank
Designations: ✓ Community bank
Chicago, 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 536 banks in the under $100M peer group nationwide — 1 of 60 in IL.
- Deposits -0.1% year over year ($63.5M on the books).
- Delinquency rate 1.11%.
- Return on assets 0.61%.
- Efficiency ratio 83.24% vs a 119.40% peer average.
- Loan-to-deposit ratio 129.80% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Mutual Federal Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 36.16% below tier average
- + Delinquency Rate 0.37% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 55.59% above tier average
- - Non-Interest Income / Assets 1.36% below tier average
- - ROA 0.39% below tier average
- - Net Interest Margin 0.13% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$96.5M
-1.0% YoY
-1.5% QoQ
|
+$34.1M |
$62.4M
-0.0% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
Top 4.9% in tier |
| Total Loans ? |
$82.5M
-1.4% YoY
-3.1% QoQ
|
+$47.6M |
$34.9M
-0.6% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
Top 0.6% in tier |
| Total Deposits ? |
$63.5M
-0.1% YoY
+1.7% QoQ
|
+$11.9M |
$51.6M
-0.2% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
65% |
| Return on Assets ? |
0.61%
-5.2% YoY
+3.5% QoQ
|
-0.39% |
1.00%
+3.5% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
31% |
| Net Interest Margin ? |
3.78%
+0.4% YoY
+2.0% QoQ
|
-0.13% |
3.91%
+2.3% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
45% |
| Efficiency Ratio ? |
83.24%
+0.8% YoY
-0.3% QoQ
|
-36.16% |
119.40%
+49.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
25% |
| Delinquency Rate ? |
1.11%
-53.9% YoY
-14.7% QoQ
|
-0.37% |
1.48%
+31.8% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
129.80%
-1.3% YoY
-4.7% QoQ
|
+55.59% |
74.21%
+12.6% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
Bottom 1.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
6.49%
-16.8% YoY
-3.1% QoQ
|
-17.00% |
23.49%
+0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
Bottom 11.2% in tier |
| Nonperforming Asset Ratio ? |
0.95%
-54.1% YoY
-16.1% QoQ
|
+0.11% |
0.84%
+23.0% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
25% |
| Tier 1 Capital Ratio ? |
24.54%
+5.2% YoY
+2.8% QoQ
|
-2.58% |
27.13%
+3.0% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.02%
-51.5% YoY
+103.0% QoQ
|
-1.36% |
1.38%
+6.3% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 7.6% in tier |
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 |
6.5%
-1.3pp YoY -0.2pp QoQ |
-18.1pp | 24.6% | 20.1% | 22.2% | 7% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I | n/a | n/a | 13.4% | 14.7% | 12.5% | n/a |
| CRE | n/a | n/a | 25.2% | 37.9% | 41.4% | n/a |
| 1-4 Family |
79.4%
-4.5pp YoY -1.6pp QoQ |
+44.4pp | 35.0% | 28.3% | 31.3% | 91% |
| Consumer | n/a | n/a | 7.7% | 5.4% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
24.5%
+1.2pp YoY +0.7pp QoQ |
-14.1pp | 38.7% | 19.9% | 19.7% | 62% |
| Leverage Ratio |
16.3%
+0.7pp YoY 0.0pp QoQ |
-1.4pp | 17.7% | 12.2% | 12.6% | 77% |
| Total Capital Ratio |
25.8%
+1.2pp YoY +0.7pp QoQ |
-13.9pp | 39.7% | 20.9% | 20.8% | 62% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
13
0 YoY 0 QoQ |
+1 | 12 | 228 | 482 | 62% |
| Assets per Employee ($) |
$7.4M
-1.0% YoY -1.5% QoQ |
+$1.2M | $6.2M | $8.3M | $8.8M | 73% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 10 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
1.1%
-1.3pp YoY -0.2pp QoQ |
-0.6pp | 1.7% | 1.1% | 1.0% | 59% |
| Allowance Coverage |
1.39x
+113.2% YoY +21.0% QoQ |
-5.02x | 6.41x | 5.62x | 20.23x | 51% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
3.7%
-0.3pp YoY +0.1pp QoQ |
-2.7pp | 6.4% | 10.5% | 11.6% | 27% |
| Cost of Funds (YTD) |
1.8%
-0.2pp YoY 0.0pp QoQ |
+0.4pp | 1.4% | 1.6% | 1.7% | 73% |
| Net Income ($, YTD) |
$295,000
-5.1% YoY — QoQ |
-$23K | $317,817 | $11.7M | $40.4M | 52% |
Get Full Access to Mutual Federal Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.