Total Assets
$5.4B
Total balance-sheet footings
FDIC Cert #18429 · Morton, Illinois · Est. 1961
Morton Community Bank - FDIC Bank Health Profile
A community-scale look at Morton Community Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $5.4B
- Total assets
- A
- Health grade · Excellent
- 1.54%
- Return on assets
- 13.9%
- Tier 1 capital
Data updated July 2026
The verdict
Morton Community Bank earns a PlainBankData health grade of A (92/100), with well-capitalized at 13.93% Tier 1, profitable at 1.54% ROA, efficient (51% cost ratio).
- #275
- largest of 4,313 FDIC banks by assets
- 94th
- percentile by asset size, nationally
- 13.93%
- Tier 1 ratio - above the 10% well-capitalized line
- 76th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Morton Community Bank's 92/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Morton Community Bank's composite health score
Tier 1 Capital Ratio (13.93%) 35/40
Return on Assets (ROA) (1.54%) 25/25
Texas Ratio (4.26%) 20/20
Efficiency Ratio (50.54%) 12/15
92 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$4.7B
Customer-funded liabilities
Net Loans
$3.5B
Outstanding loan book
Net Income
$84M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Morton Community Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Morton Community Bank's score of 92/100 falls in the highlighted band.
Morton Community Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Morton Community Bank's $5.4B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.93% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.93%
Texas Ratio
4.26%
Equity Capital
$531M
Profitability metrics
Return on Assets (ROA)
76th percentile nationally
1.54%
Return on Equity (ROE)
17.62%
Efficiency Ratio
50.54%
What the numbers say about Morton Community Bank
Morton Community Bank is an FDIC-insured institution (Certificate #18429) headquartered in Morton, Illinois, established in 1961. It holds $5.4B in total assets - 275th of 4,313 FDIC-insured banks, $4.7B in customer deposits, and $3.5B in net loans. Capital-wise, the Tier 1 ratio sits at 13.93%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 4.26%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (92 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Morton Community Bank sits in the top decile of all FDIC-insured institutions by asset size (275th of 4,313), and within Illinois it ranks 14th of 330 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Heartland Bank and Trust Company, at $5.1B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$262M
Interest Income
$20M
Non-Interest Income
$100M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Morton Community Bank reports a Texas Ratio of 4.26% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
4.26% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Illinois by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Morton Community Bank (FDIC Cert #18429) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Illinois
All Illinois banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BMO Bank National AssociationChicago | $252.1B | A | 0.95% |
| The Northern Trust CompanyChicago | $176.4B | B | 1.02% |
| CIBC Bank USAChicago | $64.0B | A | 1.47% |
| Busey BankChampaign | $18.1B | A | 0.92% |
| Byline BankChicago | $9.6B | A | 1.47% |
| Wintrust Bank, National AssociationChicago | $9.6B | A | 1.88% |
| Lake Forest Bank & Trust Company, National AssociationLake Forest | $9.4B | A | 2.20% |
| First American BankElk Grove Village | $8.1B | A | 1.72% |
Frequently asked questions
What is Morton Community Bank's health grade?▼
Morton Community Bank receives a health grade of A (92/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Morton Community Bank?▼
Morton Community Bank holds $5.4B in total assets and $4.7B in deposits, ranking 275th of 4,313 FDIC-insured banks by asset size. It is headquartered in Morton, Illinois.
Is my money safe at Morton Community Bank?▼
Yes, deposits at Morton Community Bank (Certificate #18429) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Morton Community Bank's Tier 1 Capital Ratio?▼
Morton Community Bank has a Tier 1 Capital Ratio of 13.93%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Morton Community Bank?▼
Morton Community Bank has a Texas Ratio of 4.26%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Morton Community Bank?▼
Morton Community Bank has an Efficiency Ratio of 50.54%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Morton Community Bank's profile as a depositor or analyst.
- Morton Community Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Morton Community Bank against other Illinois banks before moving funds. Illinois banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.