Morton Community Bank (FDIC #18429): Bank Stress & Real-Estate Credit Exposure
Morton Community Bank (FDIC Cert #18429): bank stress 60/100, elevated, STABLE over 7 days; parent HOMETOWN CMTY BCORP EMPLOYEE STK OWNERSHIP PLAN&TR.
Morton Community Bank (#18429) lends in 17 counties across 1 state; Morton Community Bank (#18429) reaches 304 ZIP codes: Illinois 17 counties, 304 ZIPs.
Morton Community Bank (#18429) largest markets: Champaign County, IL (35 branches, 35 ZIPs) (#18429), Mclean County, IL (66 branches, 33 ZIPs) (#18429), Sangamon County, IL (180 branches, 30 ZIPs) (#18429), Livingston County, IL (29 branches, 29 ZIPs) (#18429), Peoria County, IL (252 branches, 28 ZIPs) (#18429), Fulton County, IL (24 branches, 24 ZIPs) (#18429).
Morton Community Bank (#18429) reports $5.35 billion in total assets; Morton Community Bank (#18429) equity $502.0 million (9.4% of Morton Community Bank (#18429) assets); Morton Community Bank (#18429) domestic deposits $4.72 billion; Morton Community Bank (#18429) net income $43.2 million; Morton Community Bank (#18429) return on assets 1.62%; Morton Community Bank (#18429) return on equity 16.74%; Morton Community Bank (#18429) net interest income $87.3 million; Morton Community Bank (#18429) call report June 30, 2026.
Morton Community Bank (#18429) noncurrent real-estate loans 0.11% of its book; Morton Community Bank (#18429) residential 0.26%; Morton Community Bank (#18429) net charge-offs on real estate 0.78%; Morton Community Bank (#18429) multifamily charge-offs 0.28%; Morton Community Bank (#18429) residential charge-offs 1.01%.
Morton Community Bank (#18429) net interest margin 3.44% against an eight-quarter Morton Community Bank (#18429) average of 3.15% (Morton Community Bank (#18429) compression -0.29 points); Morton Community Bank (#18429) real-estate loans 11.2% of equity; Morton Community Bank (#18429) non-residential real estate 101.4% of equity; Morton Community Bank (#18429) rate-exposure score 40/100, Morton Community Bank (#18429) fixed-rate trap 40/100; Morton Community Bank (#18429) risk type credit driven; Morton Community Bank (#18429) rate regime rates elevated, Morton Community Bank (#18429) snapshot October 19, 2026.
Morton Community Bank (#18429) stress score moved from 56.4 on June 22, 2026 to 60.4 on October 19, 2026; Morton Community Bank (#18429) ranged 56.4 to 60.4 over 116 snapshots.
Morton Community Bank (#18429) alerts: 17 counties; top Morton Community Bank (#18429) alert scores: Washington County, IL 44 (moderate); Champaign County, IL 39 (moderate); Arthur County, IL 23 (low); Erie County, IL 23 (low); Fairbury County, IL 23 (low).