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Morton Community Bank
Morton, IL·FDIC Cert #18429·Charter: STATE·Est. 19610826.0·HC: HOMETOWN CMTY BCORP EMPLOYEE STK OWNERSHIP PLAN&TR
Total Assets
$5.4B
Q4 2025
Return on Assets
1.54%
+0.05%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
50.54%
Peer avg: 57.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
65
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.54%+0.05
ROE
17.62%+0.05
Efficiency
50.54%-0.73
Equity/Assets
0.00%+0.00
NPL Ratio
0.69%+0.03
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
75.50%-0.88
Charge-offs
-0.03%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.3 | 1.3 | 1.4 | 1.3 | 1.4 | 1.4 | 1.5 | 1.5 |
| ROE | 18.6 | 18.7 | 18.5 | 17.7 | 16.9 | 17.6 | 17.6 | 17.6 |
| Efficiency | 52.3 | 52.2 | 51.9 | 52.6 | 52.5 | 51.5 | 51.3 | 50.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.7 | 0.8 | 0.8 | 0.7 | 0.7 | 0.6 | 0.7 | 0.7 |
| Charge-offs | 0.0 | 0.3 | 0.2 | 0.2 | -0.0 | -0.0 | -0.0 | -0.0 |
| Loan/Deposit | 77.0 | 76.1 | 75.3 | 79.1 | 77.5 | 76.4 | 76.4 | 75.5 |
Balance Sheet
Total Assets$5.4B
Total Deposits$4.7B
Total Loans$3.5B
Total Equity$531.3M
Profitability
ROA1.54%
ROE17.62%
Efficiency Ratio50.54%
Net Income$83.7M
Risk & Asset Quality
NPL Ratio0.69%
Charge-off Rate-0.03%
Loan/Deposit75.50%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans