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Murphy Bank

Fresno, CA · Cert 25726

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

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.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

67

Q2 2024Q2 2026peer median (50)

Asset Quality

31

Q2 2024Q2 2026peer median (50)

Profitability

88

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

85

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Murphy Bank

Fresno, CA · Cert 25726

State charter, non-member · FDIC · 2 branches

Q2 2026

$357.2MAssets
$304.5MLoans
$296.9MDeposits
$53.3MEquity
Loan mix
30%RE $67.9M33%C&I $74.7M37%Consumer $84.8MQ2 2025Q2 2026
Deposit mix
99%Interest-bearing $293.5M1%Noninterest $3.4MQ2 2025Q2 2026

NIM

7.02%Q2 ’247.48%Q2 ’257.60%Q2 ’26+17%+14%

Non-interest income vs. expense

2.20%Q2 ’242.33%Q2 ’252.49%Q2 ’26+5%+6%

Market Position · Fresno, CA · 2026 SOD (annual) · 1.2% share · #15 of 22 inst. · $0.3B of $21.1B

1.3% Fresno
0.4% San Luis Obispo

Executive Summary

  • Earnings: ROA of 2.00%, up 51 bps year over year; NIM at 4.78%.
  • Asset quality: problem loans at 0.39% of loans (+7 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 14.89%, up 32 bps from a year ago.
  • Funding: loans stand at 102.55% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.00%+51 bps YoY

Net Interest Margin (YTD, annualized)

4.78%+58 bps YoY

Efficiency Ratio (YTD, annualized)

50.37%-340 bps YoY

Tier 1 Leverage Ratio

14.89%+32 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.49%1.62%1.61%1.85%2.00%+51 bps
Return on Equity10.32%11.17%11.11%12.69%13.57%+325 bps
Net Interest Margin4.20%4.35%4.42%4.69%4.78%+58 bps
Efficiency Ratio53.77%51.53%51.54%51.14%50.37%-340 bps
Non-Interest Burden2.20%2.17%2.20%2.34%2.33%+13 bps
Growth
Asset Growth (YoY)-1.65%-1.02%2.50%2.17%-0.36%+129 bps
Loan Growth (YoY)-1.34%0.09%0.94%0.37%-0.42%+92 bps
Deposit Growth (YoY)-1.71%-1.14%4.15%4.41%0.51%+222 bps
Asset Quality
Nonperforming Loans / Loans0.33%0.34%0.51%0.36%0.39%+7 bps
Net Charge-Offs / Loans0.06%0.10%0.21%0.15%0.01%-5 bps
Allowance / Loans1.32%1.32%1.29%1.26%1.23%-9 bps
Allowance Coverage of NPLs4.0x3.9x2.5x3.5x3.1x-0.9x
Capital
Tier 1 Leverage Ratio14.56%14.81%14.81%14.59%14.89%+32 bps
Total Risk-Based Capital14.56%14.81%14.81%14.59%14.89%+32 bps
Equity / Assets14.47%14.69%14.67%14.55%14.91%+44 bps
Liquidity & Funding
Loans / Deposits103.51%103.47%100.68%100.94%102.55%-96 bps
Liquid Assets / Assets10.19%10.41%11.70%11.30%9.53%-66 bps
CRE / Total Capitaln/a29.68%33.30%37.01%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Murphy Bank

Fresno, CA · Cert 25726 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

State charter, non-member · FDIC · 2 branches

Q2 2026

$357.2MAssets
$304.5MLoans
$296.9MDeposits
$53.3MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 95% of banks under $1B in assets operating in a single state (rank 39 of 746).
  • Widest gap: net charge-offs / loans trails 90% of banks under $1B in assets operating in a single state (rank 673 of 743).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

2.02%

Rank 39 of 746

Net Interest Margin

4.78%

Rank 48 of 746

Efficiency Ratio

50.37%

Rank 114 of 746

Equity / Assets

14.91%

Rank 104 of 746

Non-interest income vs. expense

$0.6M$8.9MINCOMEEXPENSE
Unfavorable gap of $8.3M · efficiency ratio beats 85% of banks under $1B in assets operating in a single state
Bank 50.37%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.02%0.72%1.06%1.45%Beats 95%39 / 746
Return on Equity13.52%6.74%10.51%13.63%Beats 74%195 / 746
Net Interest Margin4.78%3.17%3.68%4.16%Beats 94%48 / 746
Efficiency Ratio50.37%55.74%64.58%75.47%Beats 85%114 / 746
Asset Quality
Nonperforming Loans / Loans0.39%0.09%0.42%1.07%Beats 52%354 / 743
Net Charge-Offs / Loans0.17%0.00%0.01%0.05%Beats 10%673 / 743
Capital
Tier 1 Capital Ratio14.89%11.55%13.75%17.60%Beats 60%298 / 746
Total Risk-Based Capital Ratio14.89%11.71%14.33%18.43%Beats 55%336 / 746
Equity / Assets14.91%8.90%10.51%13.06%Beats 86%104 / 746
Liquidity & Funding
Loans / Deposits102.55%61.31%78.27%90.78%92nd pctl56 / 746
Loans / Assets85.25%53.60%66.97%76.08%96th pctl31 / 746
Brokered Deposits / Depositsn/aNot reported for this institution