Morton Community Bank: how it compares with its peers
Against 25 IL banks with half to twice its assets, Morton Community Bank's strongest measure in Q2 2026 is return on assets (1.62% vs. a 1.43% peer median). Its weakest relative measure is assets per employee ($9.6M vs. $12.8M).
| Measure | Morton Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.62% | 1.43% | Top third Ahead of 72% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.44% | 3.39% | Middle third Ahead of 60% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 49.29% | 47.72% | Middle third Ahead of 48% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.6M | $12.8M | Middle third Ahead of 38% of peers |
| Loans to deposits Net loans and leases over total deposits. | 74.13% | 87.44% | Context |
What it means for lending operations
Its efficiency ratio of 49.29% is above the 47.72% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Barrington Bank & Trust Company, National Association Barrington, IL · $5.17B
- Wheaton Bank & Trust, National Association Wheaton, IL · $4.79B
- Northbrook Bank and Trust Company, National Association Northbrook, IL · $6.37B
- State Bank of India Chicago, IL · $4.32B
- United Community Bank Chatham, IL · $4.13B
- Midland States Bank Effingham, IL · $6.69B
Questions about Morton Community Bank
How big is Morton Community Bank?
Morton Community Bank, established in 1961, is headquartered in Morton, IL. It reported $5.35B in total assets in its Q2 2026 FDIC call report and operates 49 offices.
What is Morton Community Bank's return on assets?
1.62% annualized in Q2 2026, against a 1.43% median for 25 IL banks with half to twice its assets, ahead of 72% of them.
What is Morton Community Bank's efficiency ratio?
49.29% in Q2 2026: it spent about 49 cents in noninterest expense for each dollar of revenue. The peer median is 47.72%, and lower is better.
Is Morton Community Bank growing its loans?
Net loans shrank 0.8% over the year to Q2 2026, while deposits grew 2.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.