Mutual Savings Bank
Franklin, IN
IDRSSD: 841472
Total Assets
$348.95M
Latest filing
Total Deposits
$280.27M
Latest filing
Net Interest Margin
3.07%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
274970267FRANKLIN, IN
Key People
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Locations
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Main Office
Mutual Savings Bank
80 E Jefferson St
Franklin, IN 46131
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1890FDIC Certificate 40576
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Mutual Savings Bank (Main) | 80 E Jefferson St | Franklin, IN |
| MAIN STREET BRANCH | 1124 N Main St | Franklin, IN |
| TRAFALGAR BRANCH | 2 Trafalgar Sq | Trafalgar, IN |
| STONES CROSSING BRANCH BRANCH | 2812 S State Road 135 | Greenwood, IN |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 01/01/1890 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 46131 |
| State and County Number | 18081 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 41 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Indianapolis-Carmel-Anderson, IN |
Operational Info
| Number of Employees | 46 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.mymsb.bank |
| Data Updated | 01/30/2026 |
| CERT | 27742 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $348.95M |
| Total Deposits | $280.27M |
| Total Liabilities | $326.31M |
| Total Equity Capital | $22.64M |
| Net Income | $646.00k |
| Net Loans and Leases | $218.33M |
| Assets Per Employee ($Millions) | $7.42M |
| Bank Premises and Fixed Assets | $4.85M |
| Cash and Balances due from Depository Institutions | $33.84M |
| Deposits Held in Domestic Offices | $280.27M |
Key Performance Ratios
| Return on Assets (ROA) | 0.74% |
| Return on Equity (ROE) | 11.88% |
| Net Interest Margin | 3.07% |
| Efficiency Ratio | 70.17% |
| Tier 1 Risk-Based Capital Ratio | 12.255% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.22% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.451% |
| Earning Assets to total Assets | 92.85% |
Income and Expense
| Total Interest Income | $4.35M |
| Total Noninterest Income | $594.00k |
| Total Interest Expense | $1.86M |
| Total Noninterest Expense | $2.16M |
| Net Interest Income | $2.49M |
| Pre-tax Net Operating Income | $729.00k |
| Provision for Credit Losses | $190.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $45.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.04M |
| Total Liabilities and Capital | $348.95M |
Securities
| Securities | $75.07M |
| Available-for-sale debt securities | $72.12M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $3.00M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Mutual Savings Bank?
$348.95M as of the latest filing.
How much are Mutual Savings Bank's total deposits?
$280.27M in total deposits.
Where is Mutual Savings Bank located?
Franklin, IN.
What is the Net Interest Margin?
3.07%.
How many domestic offices does it operate?
4.
When was it established?
01/01/1890.
What is the Return on Assets (ROA)?
0.74%.
How much are total loans and leases?
$218.33M (latest filing).
What is the total interest income (latest filing)?
$4.35M.