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.

From Q2 2025 to Q2 2026, the score rose 11 points (60 → 71), mostly because the loan quality component improved by 27 points.

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

Similar-size banks in Indiana

Yes. Mutual Savings Bank is an FDIC-insured institution (FDIC certificate #27742). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 33.3% of deposits ($94.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.22%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.27% (benchmark: 10%).

Check how much of your own balance is covered

Mutual Savings Bank lists 4 offices in 3 cities. Most locations:

• Franklin, IN (2)
• Greenwood, IN (1)
• Trafalgar, IN (1)

All branch addresses and map

In 2025, Mutual Savings Bank reported 124 home-loan applications under HMDA (LEI 549300MOTRV68OSXM837): 81 originated ($26,235,000 total), 3 denied, and 28 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.1%, 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.

Legal name

Mutual Savings Bank

Former names

Mutual Building and Loan Association

Type

SI

FDIC certificate #

27742

RSSD ID

841472

Primary regulator

FDIC

Holding company

Third Century Bcorp

Established

January 1, 1890

Headquarters

80 E Jefferson St, Franklin, IN 46131

Website

www.mymsb.bank

Employees

46