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
Unfavorable gap of $8.3M · efficiency ratio beats 85% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.02% | 0.72% | 1.06% | 1.45% | Beats 95% | 39 / 746 | | |
| Return on Equity | 13.52% | 6.74% | 10.51% | 13.63% | Beats 74% | 195 / 746 | | |
| Net Interest Margin | 4.78% | 3.17% | 3.68% | 4.16% | Beats 94% | 48 / 746 | | |
| Efficiency Ratio | 50.37% | 55.74% | 64.58% | 75.47% | Beats 85% | 114 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.39% | 0.09% | 0.42% | 1.07% | Beats 52% | 354 / 743 | | |
| Net Charge-Offs / Loans | 0.17% | 0.00% | 0.01% | 0.05% | Beats 10% | 673 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 14.89% | 11.55% | 13.75% | 17.60% | Beats 60% | 298 / 746 | | |
| Total Risk-Based Capital Ratio | 14.89% | 11.71% | 14.33% | 18.43% | Beats 55% | 336 / 746 | | |
| Equity / Assets | 14.91% | 8.90% | 10.51% | 13.06% | Beats 86% | 104 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 102.55% | 61.31% | 78.27% | 90.78% | 92nd pctl | 56 / 746 | | |
| Loans / Assets | 85.25% | 53.60% | 66.97% | 76.08% | 96th pctl | 31 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |