TellerScore

Municipal Trust and Savings Bank is a state-chartered bank headquartered in Bourbonnais, Illinois, in business for about 45 years. At the end of Q2 2026 it reported $382.2M in total assets and $305.7M in deposits, with 2 offices.

Based on its Q2 2026 filing, Municipal Trust and Savings Bank scores 95/100, which we describe as very strong. That is higher than 99% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 6th. Its strongest component is capital cushion (100/100; 15.56%), and its lowest is funding & liquidity (67/100; 84% loans-to-deposits, 23% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.56%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.04%
Earnings100/100
Return on assets (annualized): 2.96%
Funding & liquidity67/100
Loans ÷ deposits and uninsured-deposit share: 84.3% · 22.6% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.16%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (94 → 95).

TellerScore
939596Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202496
Q3 202495
Q4 202495
Q1 202595
Q2 202594
Q3 202594
Q4 202593
Q1 202694
Q2 202695
Tier 1 leverage ratio
5.00%10.99%16.98%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202416.53%
Q3 202415.70%
Q4 202416.15%
Q1 202516.98%
Q2 202515.95%
Q3 202516.93%
Q4 202514.87%
Q1 202615.40%
Q2 202615.56%
Noncurrent loans
0.00%0.03%0.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.02%
Q2 20250.00%
Q3 20250.02%
Q4 20250.02%
Q1 20260.06%
Q2 20260.04%
Return on assets
2.28%2.74%3.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.43%
Q3 20242.45%
Q4 20242.28%
Q1 20253.20%
Q2 20253.00%
Q3 20253.02%
Q4 20252.88%
Q1 20263.10%
Q2 20262.96%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202695$382.2M15.56%0.04%2.96%84.3%
Q1 202694$363.0M15.40%0.06%3.10%86.5%
Q4 202593$355.0M14.87%0.02%2.88%91.0%
Q3 202594$348.2M16.93%0.02%3.02%92.9%
Q2 202594$354.2M15.95%0.00%3.00%88.7%
Q1 202595$356.4M16.98%0.02%3.20%87.5%
Q4 202495$350.5M16.15%0.00%2.28%89.5%
Q3 202495$351.0M15.70%0.00%2.45%87.9%
Q2 202496$357.3M16.53%0.00%2.43%81.8%

2,650 peers · $100 million – $1 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 ratio15.56%
89th
Total risk-based capital0.00%
24th
Problem loans0.04%
81st
Net charge-offs0.00%
68th
Return on assets2.96%
98th
Net interest margin4.71%
86th
Efficiency ratio36.2%
98th
Loans to deposits84.3%
40th
Uninsured deposits22.6%
55th
Loan-loss reserves1.17%
48th
Texas ratio0.2%
84th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Byron BankBank Byron, IL69 out of 100, Moderate$384.4M10.2%1.28%vs
Bank of O'FallonBank O'Fallon, IL81 out of 100, Strong$377.5M13.8%0.69%vs
First National Bank & Trust CompanyBank Clinton, IL53 out of 100, Below average$388.1M7.8%0.88%vs
Peoples Bank of Kankakee CountyBank Bourbonnais, IL66 out of 100, Moderate$375.6M7.7%0.32%vs
The Fisher National BankBank Fisher, IL59 out of 100, Moderate$375.5M9.0%1.31%vs
First National Bank of PanaBank Pana, IL78 out of 100, Strong$394.8M10.5%0.07%vs

Deposit insurance

Is my money safe at Municipal Trust and Savings Bank?

Yes. Municipal Trust and Savings Bank is an FDIC-insured institution (FDIC certificate #23546). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.6% of deposits ($69.1M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 15.56%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Municipal Trust and Savings Bank lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Municipal Trust and Savings Bank reported 192 home-loan applications under HMDA (LEI 549300HC145ABINEFL26): 165 originated ($39,795,000 total), 9 denied, and 16 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.1%, 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
Municipal Trust and Savings Bank
Type
State-chartered bank
FDIC certificate #
23546
RSSD ID
460332
Primary regulator
FDIC
Established
October 2, 1981
Headquarters
720 Main St Nw, Bourbonnais, IL 60914
Employees
50

Quick answers

Municipal Trust and Savings Bank: common questions

Is Municipal Trust and Savings Bank FDIC insured?

Yes. Municipal Trust and Savings Bank is an FDIC-insured institution (FDIC certificate #23546). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Municipal Trust and Savings Bank's TellerScore?

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

Has Municipal Trust and Savings Bank ever failed?

There is no failure record for FDIC certificate #23546 in the FDIC failed bank list.

How many branches does Municipal Trust and Savings Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Bourbonnais

InstitutionScoreAssetsCapitalProblem loansCompare
The First Trust and Savings Bank of Watseka, IllinoisBank Watseka, IL96 out of 100, Very strong$337.1M16.1%0.03%vs
Vermilion Valley BankBank Piper City, IL96 out of 100, Very strong$198.2M16.7%0.03%vs
First Community Bank and TrustBank Beecher, IL91 out of 100, Very strong$201.7M13.5%0.00%vs
Grundy BankBank Morris, IL85 out of 100, Very strong$504.7M12.6%0.20%vs
Fieldstone Credit UnionCredit union Bradley, IL84 out of 100, Strong$61.7M14.0%0.69%vs
Financial Plus Credit UnionCredit union Ottawa, IL84 out of 100, Strong$607.4M13.2%0.45%vs