# MORTON COMMUNITY BANK
MORTON, IL · FDIC certificate 18429 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $5.35B | |
| Deposits | $4.72B | |
| Loans and leases | $3.54B | |
| Total equity | $502.0M | |
| Loans / deposits | 74.13% (p23 of band) | 87.10% |
| Liquid assets / assets | 30.55% (p77 of band) | |
| Uninsured deposits / deposits | 26.93% (p37 of band) | 30.76% |
| Brokered deposits | 8.28% | |
| Wholesale funding | 10.29% (p66 of band) | |
| FHLB advances / assets | 2.01% | |
| Tier 1 leverage | 10.62% (p52 of band) | 10.50% |
| Unrealized securities loss / equity | -28.17% (p11 of band) | -7.75% |
| AOCI / equity | -2.09% (p4 of band) | |
| ROA (annualized) | 1.62% (p75 of band) | 1.26% |
| Net interest margin | 3.44% (p34 of band) | 3.70% |
| Efficiency ratio | 49.29% (p22 of band) | |
| Noncurrent loans | 0.81% (p66 of band) | 0.51% |
| Net charge-offs (annualized) | 0.22% (p87 of band) | |
| Reserve coverage of noncurrent | 141.01% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 36.80% (p38 of band) | |
| Auto loans | $7.6M (0.22% of loans; DQ 2.63%, NCO 0.00%) | |
| Loans to nondepository financials | $11.1M (2% of equity) (p78 of band) | |
| Deposits YoY | 2.2% | |
| Employees | 555 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 3 |  |  |
| 2012-06 | 4 | uninsured deposits leaving |  |
| 2012-09 | 3 |  | uninsured deposits leaving |
| 2012-12 | 3 |  |  |
| 2013-03 | 3 |  |  |
| 2013-06 | 2 |  | reserve under noncurrent |
| 2013-09 | 2 |  |  |
| 2013-12 | 3 | reserve under noncurrent |  |
| 2014-03 | 2 |  | reserve under noncurrent |
| 2014-06 | 3 | reserve under noncurrent |  |
| 2014-09 | 2 |  | reserve under noncurrent |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 3 | capital falling |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 | reserve under noncurrent | capital falling |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 4 | capital falling |  |
| 2018-03 | 5 | noncurrent p90 |  |
| 2018-06 | 2 |  | brokered >10%, wholesale funding >15%, capital falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 | wholesale funding >15% | noncurrent p90 |
| 2019-03 | 3 | deposits shrinking |  |
| 2019-06 | 3 | capital falling | deposits shrinking |
| 2019-09 | 3 | noncurrent p90 | capital falling |
| 2019-12 | 2 |  | noncurrent p90 |
| 2020-03 | 1 |  | reserve under noncurrent |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 1 |  | wholesale funding >15% |
| 2021-03 | 1 |  |  |
| 2021-06 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 1 |  | reserve under noncurrent |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 4 | capital falling |  |
| 2022-09 | 2 |  | noncurrent p90, capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 2 | noncurrent p90 |  |
| 2023-09 | 2 | capital falling | noncurrent p90 |
| 2023-12 | 3 | noncurrent p90, reserve under noncurrent | capital falling |
| 2024-03 | 4 | wholesale funding >15% |  |
| 2024-06 | 1 |  | noncurrent p90, reserve under noncurrent, wholesale funding >15% |
| 2024-09 | 2 | wholesale funding >15% |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | wholesale funding >15% |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-22 [Amerant names new CEO, Illinois community banks agree to merge - American Banker](https://news.google.com/rss/articles/CBMingFBVV95cUxPVTR3Y0MwdWlXejI3VkNYWG5sVlBaS3JkZ2dhLURLY1k3bC00a2JjVFRLdHFVcmVMellnZE9aWURfTmY5U3hMdE1rZTlWTE9YcXgwVWg3dkUwMTRMcTlDdjJ2N2t4S3dZX2hPWGE3UWsxN3lIa2hON1JlOHJwTTVmeTFseW9RemhkM0ZsNVozRnIxbDZlelZaWFNFc0p1dw?oc=5) · American Banker
- 2026-06-14 [In new role, a veteran banker touts need for 'one unified vision' of Bloomington-Normal's future - WGLT](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNenh1bC11WmZRUlVvRUNfZ1NXX3BBY1MyaDZ2QmNMZm9fdnVxNGE4SWctaU0zN2ZqaHRINTJwQVpKOTRwd2M4Qk1hSjVKM0pTMVFhRTU4U1dlLXhLMmJkQXU2ZW16UnNoNWpLOGxHSHlvdmtPUkZqd3dNN1lFSWpwMW5UR3FSSmpUN1lPTTNYbTNFcWR0aFpRTndlZVp3UHVwZTdHOENRSVVmWUFQbkZXajJEY2ZPaG9lR1kxRlpfUFNLSW9SSnowZmM4Mlk0NEtz?oc=5) · WGLT
- 2026-03-05 [Morton Community Bank agrees to settle bank fees class action for $238,000 - Claim Depot](https://news.google.com/rss/articles/CBMid0FVX3lxTE5lTURLaHg2bVdxSG93bmFlN1dNeUJWTm5peE1JWGc5RlV0YWl0TndkbXpXY0FSN1VvUU1FcFl1bFdLY0ZSNnotaDFUNnd0U1J1d2hfdUlGMlNNZTB3TXdBemRtRnNRMlo3dEZuV0QzdzNWaXFoMXBr?oc=5) · Claim Depot
- 2023-06-10 [Merger of Marine Bank and Morton Community Bank completed June 9 - springfieldbusinessjournal.com](https://news.google.com/rss/articles/CBMixAFBVV95cUxNNWVBUVpfT2NSVUM4ak93MW95d0JCTlZkUUYzX1A3STNNMTd0bDZ5VnliX1RlQThUa21xbHRWbjFwRjl3bEF0bGowVzlyOVd0UWtUR19EV3IxZkJIcDZUUjd2RC0xcFlFcnRyOC1DQ2FYQjY4dkd4NU1NTVUwVkY1MG9WalRKSW9Jd0pVMjM3QVBxSmZiTWdfSXFzVWZ3YjVtLWRCUmZiakdhbjFZZVY1VUxobXB3VThvOUZ3UEVzVTRFNl9C?oc=5) · springfieldbusinessjournal.com
- 2022-12-01 [Merger to expand Morton Community Bank’s footprint in the Twin Cities - WEEK | 25 News Now](https://news.google.com/rss/articles/CBMinAFBVV95cUxPdjhudm4wYWRfRU01M2JjekF4QjBTWTU0SGwtb25ObFZjMUxSYlZDTUZnQjJzTHJmbW51Rkc5SnlKUlpjNG80ck9UVjFpZlRxdFF2d0gxTWJ0V2dIS1BSeVN5Szd2ZVpzMFZVa2RBa3dON2k5MzhibHRrdjNHaENJWjh1XzJLeWpKT0xnXzFaamY3aEdsei1pdU9fSmnSAbABQVVfeXFMTnAtY2pxYS1TR3A3bmRFb1JyRlBkRGRwQWQ4UnFxR0JEdUVNNmFEZnhKOGZoYjlZTUhPYVktMXJKd1VYV2FwcFRheVJKV1FROEtJcnJPaE9pQmhGNXhxQUdTYjl2S3ljWkUxcjBrelFJd193bk1lSjRBckk2ZjA1MGZfVHBaZzAzYlhNOXhESXJhbmFjQ09SRnRpc3k1ZGROb214cTZWUUhNaGZQTlRGaEU?oc=5) · WEEK | 25 News Now
- 2016-03-04 [Parent companies of Morton Community Bank and Heritage Bank of Central Illinois to merge - Peoria Journal Star](https://news.google.com/rss/articles/CBMirAFBVV95cUxOVGhYVGliY3F2cGVHUG03bzZHMExKcDV5M2NsXzZYQ19GRUM4UWtQczU1NDg0bk5PV1ZqMTNxUW9IUnMzeGxUcUxKdFlhdWpYdmVTWjl4Qmh5ZWFXczMxQXNlNWIxNUxidEFRSUI2LXpsdWNPN0hGdUpCTnhUa1RZYi04RnpWNzRrazZoY1FMb1FRdnVXLTJUWkNuWHhDazFFQ21FTVJkMUd1SXVx?oc=5) · Peoria Journal Star
- 2016-03-25 [Morton Community Bank to acquire Illini Bank of Springfield - The State Journal-Register](https://news.google.com/rss/articles/CBMilwFBVV95cUxQaVNzY2ZrOWRfOGwtdkk5bmpQaWhZMjlhVTBta3JLcUdCWDhNU1ZNREdrRmtzYWxWVDB3TGRSRWFNN2FXdEFNaV9fVlpxanlxNkZSYUZwZWI1MVA4UEpMVTZfQVVIYVBpMlRnNFc2V2prZU5OWDdjVFBDQUZaTEw5U0NHVnlMSXZoOERKZlVmV0FZU2JsYWNN?oc=5) · The State Journal-Register
- 2016-04-16 [Morton Community Bank expands its market - McDonough County Voice](https://news.google.com/rss/articles/CBMipAFBVV95cUxPY0xPX0JnSmZUVmtOWjlhLUJYWFZJd25Kd3kyRC1BUEVXV1FxTmdORVVrWTFkbFkzekFESzhYdnVKcTFtUTlWd2Fua0p1XzhQbWNjdmxSX3JkYVZzNzJka2hleFN0bFFIS1BZTWZvalZqNFotNC0tX0M5WVhHWlNQTml5S0xPWGprQy1BMTFiVjZNMXpVUVNfYURBcEVHUGNRNHNscg?oc=5) · McDonough County Voice

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18429 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/61.json (key "18429", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide