Morton Community Bank
Morton Community Bank reported total assets of $5.3 bn at Q2 2026, down 2.2% on a year earlier, the 274th largest of 497 banks in our US coverage. The CET1 capital ratio at Morton Community Bank was 13.59%, and the uninsured share of Morton Community Bank was 26.93%. Source: FDIC Call Reports.
Key takeaways
- On common equity tier 1 (CET1) ratio, Morton Community Bank climbed from 252nd to 187th among 448 US banks between and (1 = highest; FDIC Call Reports).
- Since , Morton Community Bank has taken over 5 institutions; the latest was Marine Bank on (FDIC Call Reports).
What sets Morton Community Bank apart
How large is Morton Community Bank?
The balance sheet of Morton Community Bank at : assets $5.3 bn, deposits $4.7 bn, net loans $3.5 bn (loans equal to 74.13% of deposits). Securities make up 26.5% of total assets at Morton Community Bank. Since , when Morton Community Bank held $3.1 bn, its assets grew 73.6%. In the year to , deposits at Morton Community Bank rose 2.2% while its total assets fell 2.2%. At , Morton Community Bank employed 555 full-time equivalent staff across 49 offices, about $9.6 mn of assets per employee and $96.4 mn of deposits per office.
How much funding at Morton Community Bank is uninsured?
At Morton Community Bank, uninsured deposits (above the FDIC limit) made up 26.93% of domestic deposits at (+0.88 pp on a year earlier); Morton Community Bank ranks 354th of 500 on this measure. In dollars, Morton Community Bank estimated $1.3 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $4.7 bn | +2.2% | 261st of 499 |
| Net loans and leases | $3.5 bn | -0.8% | 285th of 500 |
| Loan-to-deposit ratio | 74.13% | -2.24 pp | 394th of 500 |
| Tier 1 leverage ratio | 10.62% | +0.70 pp | 216th of 500 |
| Total risk-based capital ratio | 14.59% | +0.65 pp | 207th of 448 |
| Net interest margin | 3.44% | +0.35 pp | 312th of 500 |
| Return on assets (ROA) | 1.62% | +0.17 pp | 121st of 500 |
| Efficiency ratio | 49.29% | -2.18 pp | 130th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $141.4 mn | Narrowed by $31.9 mn | |
| Noncurrent loans to total loans | 0.81% | +0.19 pp | 312th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.33% | +0.35 pp | 406th of 500 (1 = lowest) |
US rank of Morton Community Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Morton Community Bank: assets, deposits and loans
- Total assets $5.3bn
- Deposits $4.7bn
- Net loans $3.5bn
Capital and securities
The CET1 ratio of Morton Community Bank stood at 13.59% in , +0.66 pp year on year. Low and high at Morton Community Bank since : 11.47% () to 14.27% (). Equity capital of Morton Community Bank at : $502.0 mn, or 9.4% of total assets. Morton Community Bank also reported a total capital ratio of 14.59% for , and a tier 1 leverage ratio of 10.62%.
The available-for-sale portfolio of Morton Community Bank showed an unrealized loss of $141.4 mn at ; the loss narrowed by $31.9 mn over the year.
Morton Community Bank: capital ratios
- Total capital 15%
- CET1 14%
- Tier 1 leverage 11%
Morton Community Bank: unrealized securities gains and losses
- Available for sale -$141mn
- Held to maturity $0
Profitability and loan quality
For the year to , Morton Community Bank earned a return on equity of 16.74%; return on assets: 1.62%. Net interest margin at Morton Community Bank: 3.44%, +0.35 pp in a year. Morton Community Bank net income: $43.2 mn, up 9.7% year on year. The efficiency ratio of Morton Community Bank was 49.29%: about 49 cents cost per revenue dollar, against 44 cents at the median peer.
At , noncurrent loans were 0.81% of total loans at Morton Community Bank; net charge-offs: 0.33% of average loans. Gross loans and leases at Morton Community Bank: $3.5 bn, down 0.8% in a year.
Morton Community Bank: profitability
- Return on equity 17%
- Net interest margin 3.4%
- Return on assets 1.6%
Peer group of Morton Community Bank
The peer group of Morton Community Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 5 share the charter type of Morton Community Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Illinois. Against them, Morton Community Bank shows CET1 ratio 13.59% against a peer median of 12.71%, return on equity 16.74% against a peer median of 16.55% and uninsured deposit share 26.93% against a peer median of 38.86%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| City Bank | State nonmember bank | TX | $5.4 bn | 13.39% | 14.40% | 36.70% | |
| Bridgewater Bank | State nonmember bank | MN | $5.4 bn | 12.73% | 11.37% | 26.16% | |
| Five Star Bank | State nonmember bank | CA | $5.4 bn | 11.11% | 15.97% | 59.15% | |
| Morton Community Bank | State nonmember bank | IL | $5.3 bn | 13.59% | 16.74% | 26.93% | |
| Celtic Bank | State nonmember bank | UT | $5.3 bn | not reported | 19.32% | 9.11% | |
| InterBank | State member bank | OK | $5.3 bn | not reported | 27.32% | 41.01% | |
| Southern Bank and Trust Company | State nonmember bank | NC | $5.3 bn | 12.68% | 17.13% | 47.66% | |
. FDIC Call Reports.
Last eight quarters
Two years at Morton Community Bank, to : assets -4.0%, deposits +1.4%, equity +9.1%. Staff 561 to 555; offices 51 to 49.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $5.6 bn | $5.4 bn | $5.4 bn | $5.5 bn | $5.4 bn | $5.4 bn | $5.3 bn | $5.3 bn |
| Total deposits | $4.7 bn | $4.5 bn | $4.5 bn | $4.6 bn | $4.6 bn | $4.7 bn | $4.6 bn | $4.7 bn |
| Bank equity capital | $460.3 mn | $419.3 mn | $465.1 mn | $453.6 mn | $506.3 mn | $531.3 mn | $514.4 mn | $502.0 mn |
| CET1 ratio | 12.53% | 12.81% | 13.39% | 12.93% | 13.45% | 13.93% | 14.06% | 13.59% |
| Return on equity (ROE) | 18.47% | 17.74% | 16.93% | 17.65% | 17.57% | 17.62% | 17.22% | 16.74% |
| Uninsured share of domestic deposits | 21.43% | 27.99% | 26.44% | 26.05% | 27.62% | 27.02% | 26.45% | 26.93% |
| Full-time equivalent employees | 561 | 559 | 565 | 564 | 553 | 554 | 551 | 555 |
| Number of offices | 51 | 51 | 50 | 49 | 49 | 49 | 49 | 49 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Morton Community Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed Heritage Bank of Central Illinois (FDIC certificate 12554).
- . Absorbed State Bank of Arthur (FDIC certificate 1800).
- . Absorbed State Bank of Speer (FDIC certificate 10825).
- . Absorbed First Trust & Savings Bank of Albany, Illinois (FDIC certificate 5754).
- . Absorbed Marine Bank (FDIC certificate 20250).
Questions and identifiers
What were the total assets of Morton Community Bank?
Morton Community Bank reported $5.3 bn at in its Call Report. That makes Morton Community Bank the 274th largest of 497 banks in our US coverage.
Is Morton Community Bank the same as its holding company?
No. This page covers Morton Community Bank, FDIC certificate 18429; HOMETOWN CMTY BCORP EMPLOYEE STK OWNERSHIP PLAN&TR (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Morton Community Bank profitable?
Morton Community Bank reported net income of $43.2 mn for the year to ; annualized return on equity: 16.74%. So yes: Morton Community Bank made a profit over these months.
When is data for Morton Community Bank next updated?
Figures from Morton Community Bank for are due after .
Where can I check the figures for Morton Community Bank?
In the FDIC BankFind Suite record for certificate 18429, and in the Call Reports of Morton Community Bank (RSSD ID 825146) at the FFIEC Central Data Repository.