TellerScore

Morton Community Bank is a state-chartered bank headquartered in Morton, Illinois, in business for about 65 years. At the end of Q2 2026 it reported $5.3B in total assets and $4.7B in deposits, with 49 offices.

Based on its Q2 2026 filing, Morton Community Bank scores 72/100, which we describe as strong. That is higher than 66% of 897 banks with $1 billion – $10 billion. Among 326 banks headquartered in Illinois, it ranks 140th. Its strongest component is problem-loan coverage (89/100; 5.4%), and its lowest is capital cushion (56/100; 10.62%).

TellerScore · Q2 2026

Scorecard

Capital cushion56/100
Tier 1 leverage ratio: 10.62%
Loan quality73/100
Noncurrent loans ÷ total loans: 0.81%
Earnings85/100
Return on assets (annualized): 1.62%
Funding & liquidity73/100
Loans ÷ deposits and uninsured-deposit share: 74.1% · 26.9% uninsured
Problem-loan coverage89/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.41%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (70 → 72), mostly because the capital cushion component improved by 7 points.

TellerScore
667175Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202467
Q4 202467
Q1 202569
Q2 202570
Q3 202571
Q4 202573
Q1 202675
Q2 202672
Tier 1 leverage ratio
5.00%7.90%10.81%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.20%
Q3 20249.52%
Q4 20249.76%
Q1 202510.10%
Q2 20259.91%
Q3 202510.32%
Q4 202510.79%
Q1 202610.81%
Q2 202610.62%
Noncurrent loans
0.62%0.72%0.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.75%
Q3 20240.82%
Q4 20240.71%
Q1 20250.68%
Q2 20250.62%
Q3 20250.65%
Q4 20250.68%
Q1 20260.62%
Q2 20260.81%
Return on assets
1.32%1.50%1.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.33%
Q3 20241.37%
Q4 20241.32%
Q1 20251.38%
Q2 20251.45%
Q3 20251.49%
Q4 20251.54%
Q1 20261.69%
Q2 20261.62%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$5.3B10.62%0.81%1.62%74.1%
Q1 202675$5.3B10.81%0.62%1.69%75.7%
Q4 202573$5.4B10.79%0.68%1.54%75.5%
Q3 202571$5.4B10.32%0.65%1.49%76.4%
Q2 202570$5.5B9.91%0.62%1.45%76.4%
Q1 202569$5.4B10.10%0.68%1.38%77.5%
Q4 202467$5.4B9.76%0.71%1.32%79.1%
Q3 202467$5.6B9.52%0.82%1.37%75.3%
Q2 202466$5.5B9.20%0.75%1.33%76.1%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.62%
52nd
Total risk-based capital14.59%
61st
Problem loans0.81%
34th
Net charge-offs0.33%
12th
Return on assets1.62%
75th
Net interest margin3.44%
34th
Efficiency ratio49.3%
78th
Loans to deposits74.1%
78th
Uninsured deposits26.9%
63rd
Loan-loss reserves1.14%
50th
Texas ratio5.4%
36th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Barrington Bank & Trust Company, National AssociationBank Barrington, IL42 out of 100, Below average$5.2B10.1%4.75%vs
Wheaton Bank & Trust, National AssociationBank Wheaton, IL67 out of 100, Moderate$4.8B9.1%0.53%vs
Northbrook Bank and Trust Company, National AssociationBank Northbrook, IL68 out of 100, Moderate$6.4B9.4%0.27%vs
State Bank of IndiaBank Chicago, IL41 out of 100, Below average$4.3B0.0%0.00%vs
United Community BankBank Chatham, IL72 out of 100, Strong$4.1B10.2%0.31%vs
Midland States BankBank Effingham, IL62 out of 100, Moderate$6.7B10.1%1.43%vs

Deposit insurance

Is my money safe at Morton Community Bank?

Yes. Morton Community Bank is an FDIC-insured institution (FDIC certificate #18429). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.9% of deposits ($1.3B) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.62%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.59% (benchmark: 10%).

Check how much of your own balance is covered

49 locations

Branches

Morton Community Bank lists 43 offices in 35 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Morton Community Bank reported 1,740 home-loan applications under HMDA (LEI 549300SNZET0P5BZ3J56): 1,426 originated ($299,110,000 total), 187 denied, and 104 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Morton Community Bank
Type
State-chartered bank
FDIC certificate #
18429
RSSD ID
825146
Primary regulator
FDIC
Holding company
Hometown Cmty Bcorp Employee Stk Ownership Plan&tr
Established
August 26, 1961
Headquarters
721 W Jackson St, Morton, IL 61550
Employees
555

Quick answers

Morton Community Bank: common questions

Is Morton Community Bank FDIC insured?

Yes. Morton Community Bank is an FDIC-insured institution (FDIC certificate #18429). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Morton Community Bank's TellerScore?

72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Morton Community Bank ever failed?

There is no failure record for FDIC certificate #18429 in the FDIC failed bank list.

How many branches does Morton Community Bank have?

49 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Morton

InstitutionScoreAssetsCapitalProblem loansCompare
Peoria Fire Fighters Credit UnionCredit union Peoria, IL87 out of 100, Very strong$4.6M28.2%0.00%vs
Peoria Hiway Credit UnionCredit union Peoria, IL85 out of 100, Very strong$6.6M13.7%0.14%vs
Heartland Bank and Trust CompanyBank Bloomington, IL80 out of 100, Strong$6.7B11.9%0.19%vs
Peoria City Employees Credit UnionCredit union Peoria, IL79 out of 100, Strong$6.4M21.2%1.66%vs
Commerce BankBank Kansas City, MO76 out of 100, Strong$35.0B11.4%0.17%vs
Cooperative Choice NetworkCredit union Peoria, IL76 out of 100, Strong$205.9M12.7%0.37%vs