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Murphy-Wall State Bank and Trust Company

Pinckneyville, IL · Cert 10860 · Murphy-Wall Bcorp Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$206.1MAssets
$137.7MLoans
$183.8MDeposits
$21.1MEquity
Loan mix
83%RE $107.2M13%C&I $16.2M4%Consumer $5.3MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $144.3M21%Noninterest $39.5MQ2 2025Q2 2026

NIM

4.88%Q2 ’244.93%Q2 ’255.16%Q2 ’26+4%+9%

Non-interest income vs. expense

3.30%Q2 ’243.38%Q2 ’253.43%Q2 ’26+6%+4%

Executive Summary

  • Earnings: ROA of 1.05%, up 15 bps year over year; NIM at 4.32%.
  • Asset quality: problem loans at 1.67% of loans (-267 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.01%, down 36 bps from a year ago.
  • Funding: loans stand at 74.94% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.05%+15 bps YoY

Net Interest Margin (YTD, annualized)

4.32%+35 bps YoY

Efficiency Ratio (YTD, annualized)

70.05%-351 bps YoY

Tier 1 Leverage Ratio

11.01%-36 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%0.92%0.02%0.95%1.05%+15 bps
Return on Equity9.49%9.36%0.21%9.80%10.60%+111 bps
Net Interest Margin3.97%4.02%4.08%4.21%4.32%+35 bps
Efficiency Ratio73.56%73.41%72.10%70.73%70.05%-351 bps
Non-Interest Burden2.75%2.78%2.77%2.82%2.85%+10 bps
Growth
Asset Growth (YoY)12.91%13.29%15.27%2.25%2.47%-1,044 bps
Loan Growth (YoY)9.98%13.38%12.64%8.13%11.59%+161 bps
Deposit Growth (YoY)11.21%11.78%13.79%2.71%2.08%-913 bps
Asset Quality
Nonperforming Loans / Loans4.34%3.94%2.06%1.67%1.67%-267 bps
Net Charge-Offs / Loans0.27%0.18%1.94%0.00%0.00%-27 bps
Allowance / Loans1.06%1.03%1.20%1.19%1.15%+9 bps
Allowance Coverage of NPLs0.2x0.3x0.6x0.7x0.7x+0.4x
Capital
Tier 1 Leverage Ratio11.37%11.39%10.64%10.71%11.01%-36 bps
Total Risk-Based Capital11.37%11.39%10.64%10.71%11.01%-36 bps
Equity / Assets10.12%10.64%9.66%9.83%10.26%+14 bps
Liquidity & Funding
Loans / Deposits68.56%70.64%69.34%71.52%74.94%+638 bps
Liquid Assets / Assets7.73%5.43%7.90%8.27%6.07%-165 bps
CRE / Total Capitaln/a214%229%253%n/an/a