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Letter portraitLegal landscape

Murphy-Wall State Bank and Trust Company

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

$206.1MAssets
$137.7MLoans
$183.8MDeposits
$21.1MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 93% of banks under $1B in assets in IL (rank 11 of 151).
  • Widest gap: total risk-based capital ratio trails 88% of banks under $1B in assets in IL (rank 133 of 151).
  • Overall: at or above the peer median on 4 of 9 directional measures.

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

Non-interest income vs. expense

$1.2M$7.0MINCOMEEXPENSE
Unfavorable gap of $5.8M · efficiency ratio beats 30% of banks under $1B in assets in IL
Bank 70.45%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.06%0.70%1.03%1.34%Beats 54%70 / 151
Return on Equity10.34%6.74%9.34%12.94%Beats 58%63 / 151
Net Interest Margin4.32%3.02%3.43%3.83%Beats 93%11 / 151
Efficiency Ratio70.45%54.64%64.89%72.50%Beats 30%106 / 151
Asset Quality
Nonperforming Loans / Loans1.67%0.20%0.66%1.77%Beats 28%109 / 149
Net Charge-Offs / Loans0.00%0.00%0.02%0.07%Beats 77%35 / 149
Capital
Tier 1 Capital Ratio11.01%11.83%14.17%18.66%Beats 15%128 / 151
Total Risk-Based Capital Ratio11.01%12.22%14.54%19.92%Beats 12%133 / 151
Equity / Assets10.26%9.10%10.65%12.40%Beats 42%88 / 151
Liquidity & Funding
Loans / Deposits74.94%54.39%71.02%80.75%58th pctl62 / 149
Loans / Assets66.82%45.91%61.31%68.01%70th pctl45 / 151
Brokered Deposits / Depositsn/aNot reported for this institution