Murray Bank, The
Murray, KY · Cert 35161 · Peer group: banks under $1B in assets in KY (n=69) · Banckentucky Inc.
State savings bank · OCC · 3 branches
Q2 2026
$534.1MAssets
$409.6MLoans
$476.7MDeposits
$48.4MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 97% of banks under $1B in assets in KY (rank 3 of 69).
- Widest gap: total risk-based capital ratio trails 90% of banks under $1B in assets in KY (rank 62 of 69).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.45%
Rank 15 of 69
Net Interest Margin
3.57%
Rank 45 of 69
Efficiency Ratio
46.07%
Rank 3 of 69
Equity / Assets
9.06%
Rank 42 of 69
Non-interest income vs. expense
Unfavorable gap of $7.6M · efficiency ratio beats 97% of banks under $1B in assets in KY | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.45% | 0.83% | 1.18% | 1.44% | Beats 78% | 15 / 69 | |
| Return on Equity | 16.06% | 7.64% | 11.70% | 15.70% | Beats 78% | 15 / 69 | |
| Net Interest Margin | 3.57% | 3.45% | 3.75% | 3.96% | Beats 35% | 45 / 69 | |
| Efficiency Ratio | 46.07% | 55.32% | 62.99% | 70.80% | Beats 97% | 3 / 69 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.95% | 0.18% | 0.52% | 1.14% | Beats 10% | 63 / 69 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.06% | Beats 77% | 17 / 69 | |
| Capital |
| Tier 1 Capital Ratio | 9.96% | 11.33% | 13.58% | 16.27% | Beats 12% | 61 / 69 | |
| Total Risk-Based Capital Ratio | 9.96% | 11.55% | 14.43% | 17.27% | Beats 10% | 62 / 69 | |
| Equity / Assets | 9.06% | 8.31% | 9.91% | 12.53% | Beats 39% | 42 / 69 | |
| Liquidity & Funding |
| Loans / Deposits | 85.91% | 71.40% | 81.07% | 88.03% | 67th pctl | 23 / 69 | |
| Loans / Assets | 76.68% | 61.10% | 68.66% | 76.68% | 74th pctl | 18 / 69 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |