MFB Bancorp MFDB

Mutual Federal Bancorp is a federal holding company headquartered in Chicago, Illinois. The company was formed in 2006 to serve as the mid-tier holding company for Mutual Federal Bank following the completion of Mutual Federal Bank's mutual holding company reorganization and minority stock offering. Mutual Federal Bancorp conducts its operations primarily through its wholly owned subsidiary, Mutual Federal Bank. The company manages its operations as a single unit and does not maintain separate operating segments. At June 30, 2026, Mutual Federal Bancorp reported consolidated assets of $96.6 million, deposits of $61.9 million, and stockholders' equity of $16.3 million. The company's common stock is quoted on the OTCID Market under the symbol "MFDB". Mutual Federal Bancorp is subject to comprehensive regulation and examination by the Federal Reserve.

Mutual Federal Bancorp generates revenue primarily through the operations of its subsidiary, Mutual Federal Bank, which provides traditional banking services. These services include accepting deposits, making loans, and offering other financial products to individuals and businesses. The bank earns interest income from loans and investments, as well as non-interest income from service charges and fees. Revenue is derived from serving retail and commercial customers in the Chicago metropolitan area. The company's financial performance is closely tied to the lending and deposit activities of Mutual Federal Bank.

Mutual Federal Bancorp manages its operations as one unit and thus does not have separate operating segments.

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Mutual Federal Bancorp operates within the highly competitive community banking industry in the Chicago area. The company faces competition from larger national banks, regional banks, other community banks, and credit unions operating in the same geographic market. Its competitive position is supported by its local presence, relationship-based banking approach, and focus on serving the financial needs of individuals and small businesses in its community. The company's ability to compete depends on maintaining asset quality, managing interest rate risk, and providing personalized customer service.

Mutual Federal Bancorp serves individuals, families, and small businesses primarily located in the Chicago metropolitan area. The customer base includes retail depositors, borrowers seeking personal loans, mortgages, and small business financing. The company does not disclose specific customer names in the filing. Its services are tailored to meet the everyday banking needs of local residents and enterprises seeking relationship-oriented financial solutions.