Pinckneyville, IL · Cert 10860 · Murphy-Wall Bcorp Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in IL (n=149 to 151). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
23
Asset Quality
53
Profitability
68
Liquidity
79
Efficiency
30
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Pinckneyville, IL · Cert 10860 · Murphy-Wall Bcorp Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.76% | 0.79% | 1.00% | 0.90% | 0.92% | 0.02% | 0.95% | 1.05% | +15 bps | |
| Return on Equity | 8.83% | 9.23% | 10.88% | 9.49% | 9.36% | 0.21% | 9.80% | 10.60% | +111 bps | |
| Net Interest Margin | 3.78% | 3.80% | 4.17% | 3.97% | 4.02% | 4.08% | 4.21% | 4.32% | +35 bps | |
| Efficiency Ratio | 74.61% | 74.42% | 71.66% | 73.56% | 73.41% | 72.10% | 70.73% | 70.05% | -351 bps | |
| Non-Interest Burden | 2.63% | 2.64% | 2.81% | 2.75% | 2.78% | 2.77% | 2.82% | 2.85% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.70% | 2.59% | 13.27% | 12.91% | 13.29% | 15.27% | 2.25% | 2.47% | -1,044 bps | |
| Loan Growth (YoY) | 3.78% | 1.89% | 10.70% | 9.98% | 13.38% | 12.64% | 8.13% | 11.59% | +161 bps | |
| Deposit Growth (YoY) | 5.01% | 2.71% | 11.38% | 11.21% | 11.78% | 13.79% | 2.71% | 2.08% | -913 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.47% | 1.58% | 1.06% | 4.34% | 3.94% | 2.06% | 1.67% | 1.67% | -267 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.21% | 0.27% | 0.18% | 1.94% | 0.00% | 0.00% | -27 bps | |
| Allowance / Loans | 1.32% | 1.27% | 1.15% | 1.06% | 1.03% | 1.20% | 1.19% | 1.15% | +9 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.8x | 1.1x | 0.2x | 0.3x | 0.6x | 0.7x | 0.7x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.04% | 10.86% | 11.48% | 11.37% | 11.39% | 10.64% | 10.71% | 11.01% | -36 bps | |
| Total Risk-Based Capital | 11.04% | 10.86% | 11.48% | 11.37% | 11.39% | 10.64% | 10.71% | 11.01% | -36 bps | |
| Equity / Assets | 9.17% | 8.40% | 9.94% | 10.12% | 10.64% | 9.66% | 9.83% | 10.26% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.64% | 70.05% | 67.94% | 68.56% | 70.64% | 69.34% | 71.52% | 74.94% | +638 bps | |
| Liquid Assets / Assets | 4.17% | 5.03% | 8.47% | 7.73% | 5.43% | 7.90% | 8.27% | 6.07% | -165 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 214% | 229% | 253% | n/a | n/a | |
Pinckneyville, IL · Cert 10860 · Peer group: banks under $1B in assets in IL (n=149-151) · Murphy-Wall Bcorp Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Return on Assets
1.06%
Rank 70 of 151
Net Interest Margin
4.32%
Rank 11 of 151
Efficiency Ratio
70.45%
Rank 106 of 151
Equity / Assets
10.26%
Rank 88 of 151
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.06% | 0.70% | 1.03% | 1.34% | Beats 54% | 70 / 151 | ||
| Return on Equity | 10.34% | 6.74% | 9.34% | 12.94% | Beats 58% | 63 / 151 | ||
| Net Interest Margin | 4.32% | 3.02% | 3.43% | 3.83% | Beats 93% | 11 / 151 | ||
| Efficiency Ratio | 70.45% | 54.64% | 64.89% | 72.50% | Beats 30% | 106 / 151 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.67% | 0.20% | 0.66% | 1.77% | Beats 28% | 109 / 149 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.07% | Beats 77% | 35 / 149 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.01% | 11.83% | 14.17% | 18.66% | Beats 15% | 128 / 151 | ||
| Total Risk-Based Capital Ratio | 11.01% | 12.22% | 14.54% | 19.92% | Beats 12% | 133 / 151 | ||
| Equity / Assets | 10.26% | 9.10% | 10.65% | 12.40% | Beats 42% | 88 / 151 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.94% | 54.39% | 71.02% | 80.75% | 58th pctl | 62 / 149 | ||
| Loans / Assets | 66.82% | 45.91% | 61.31% | 68.01% | 70th pctl | 45 / 151 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||