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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

7.14%Q2 ’247.68%Q2 ’257.65%Q2 ’26+20%+10%

Non-interest income vs. expense

2.20%Q2 ’242.35%Q2 ’252.52%Q2 ’26+6%+5%

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 2.15%, up 56 bps year over year; NIM at 4.87%.
  • Asset quality: problem loans at 0.39% of loans (+7 bps YoY), with net recoveries of 0.14%.
  • 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 (quarter, annualized)

2.15%+56 bps YoY

Net Interest Margin (quarter, annualized)

4.87%+45 bps YoY

Efficiency Ratio (quarter, annualized)

49.65%-184 bps YoY

Tier 1 Leverage Ratio

14.89%+32 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.58%1.88%1.58%1.85%2.15%+56 bps
Return on Equity10.89%12.89%10.79%12.69%14.57%+367 bps
Net Interest Margin4.42%4.70%4.74%4.69%4.87%+45 bps
Efficiency Ratio51.49%47.62%51.55%51.14%49.65%-184 bps
Non-Interest Burden2.21%2.12%2.37%2.34%2.32%+11 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 / Loans0.15%0.19%0.55%0.15%-0.14%-29 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