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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

4.84%Q2 ’244.81%Q2 ’255.28%Q2 ’26+1%+15%

Non-interest income vs. expense

3.30%Q2 ’243.39%Q2 ’253.50%Q2 ’26+7%+5%

Executive Summary

  • Earnings: ROA of 1.15%, up 35 bps year over year; NIM at 4.43%.
  • 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 (quarter, annualized)

1.15%+35 bps YoY

Net Interest Margin (quarter, annualized)

4.43%+57 bps YoY

Efficiency Ratio (quarter, annualized)

69.41%-613 bps YoY

Tier 1 Leverage Ratio

11.01%-36 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.79%0.94%-2.55%0.95%1.15%+35 bps
Return on Equity7.91%9.07%-25.18%9.80%11.43%+352 bps
Net Interest Margin3.86%4.24%4.27%4.21%4.43%+57 bps
Efficiency Ratio75.54%73.14%68.32%70.73%69.41%-613 bps
Non-Interest Burden2.75%2.92%2.72%2.82%2.88%+13 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 / Loans0.34%0.00%7.24%0.00%0.00%-34 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