CRA Public File

2024 MCB FDIC CRA Public Performance Evaluation Report

Branch Listing 2024

Branches Opened or Closed

Deposit Products
Deposit Product Fee Schedule
Loan Services
Loan Services Fee Schedule

Hometown Community Bank Assessment Areas

Community Reinvestment  Act (CRA) Disclosure Notice

Morton Community Bank CRA Disclosure Statements are available for review at the Federal Financial Institution Examination Council (FFIEC) website. To view the Disclosure Statement, follow the link below, select the year you wish to review and enter the Respondent ID or Institution Name.

FFIEC CRA Disclosure Reports

Respondent ID: 0000018429
Institution Name: Morton Community Bank

CRA Disclosure Statement 2022
CRA Disclosure Statement 2023

Under the Illinois Community Reinvestment Act (ILCRA), the Secretary of the Department of Financial and Professional Regulation (Secretary) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations. The Secretary also takes this record into account when deciding on certain applications submitted by us.

Your involvement is encouraged.

You are entitled to certain information about our operations and our performance under the ILCRA, including, for example, information about our branches, such as their location and services provided at them; the public section of our most recent ILCRA Performance Evaluation, prepared by the Secretary; and comments received from the public relating to our performance in helping to meet community credit needs, as well as our responses to those comments. You may review this information today.

At least 30 days before the beginning of each quarter, the Secretary publishes a list of the banks that are scheduled for ILCRA examination in that quarter. This list is available from the Secretary at 320 West Washington Street, 3rd Floor Springfield, IL 62786 and 555 West Monroe Street, Suite 500 Chicago, IL 60661. You may send written comments about our performance in helping to meet community credit needs to Jean Ann Honegger, Co-CEO, Morton Community Bank, P.O. Box 104, Morton, IL 61550, and Secretary. You may also submit comments electronically through the Department's Web site at https://idfpr.illinois.gov/admin/cra.html. Your letter, together with any response by us, will be considered by the Secretary in evaluating our ILCRA performance and may be made public.

You may ask to look at any comments received by the Secretary. You may also request from the Secretary an announcement of our applications covered by the ILCRA filed with the Secretary.

We are an affiliate of Hometown Community Bancorp, Inc, a bank holding company. You may request from the Vice President of Compliance and CRA Exams, Federal Reserve Bank of Chicago, 230 S. LaSalle St, Chicago, IL 60604, an announcement of applications covered by the ILCRA filed by bank holding companies.

Document current as of 01/31/2025

Home Mortgage Disclosure Act Notice

The HMDA data about our residential mortgage lending are available online for review. The data shows the geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials.

These data are available online at the Consumer Financial Protection Bureau’s website, consumerfinance.gov/hmda. HMDA data for many other financial institutions are also available on the CFPB website.

For the period of January 1, 2022 to present, there are no public comments regarding the Bank’s performance in helping to meet community credit needs.