Is Mutual Savings Bank Safe?
Mutual Savings Bank has a Bank Health Score of 86/100 (A), based on FDIC call report data. Its strongest factor is loan quality (100/100), while profitability is its weakest area (40/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 12.20% | 78/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 30.78% | 100/100 |
| Return on Assets | 0.49% | 40/100 |
| Total Assets | $0.3B | |
How does Mutual Savings Bank compare?
With a Bank Health Score of 86/100, Mutual Savings Bank sits 16.0 points above the national average of 70/100 for FDIC-insured banks. Within Indiana, where 73 FDIC-insured banks are headquartered, Mutual Savings Bank ranks above the state average of 70/100 (Grade B).
The bank's Tier 1 capital ratio of 12.20% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.00% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Mutual Savings Bank's Bank Health Score held roughly steady at 86/100. Tier 1 capital weakened by 0.16 percentage points to 12.20%. Quarter-over-quarter, the score fell by 2.0 points.
Mutual Savings Bank has a Bank Health Score of 86/100 (A), based on FDIC call report data. Its strongest factor is loan quality (100/100), while profitability is its weakest area (40/100).