Murphysboro, IL · Cert 3818 · First of Murphysboro Corp.
State charter, non-member · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets in IL (n=149 to 151). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
42
Asset Quality
13
Profitability
23
Liquidity
82
Efficiency
6
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.
Murphysboro, IL · Cert 3818 · First of Murphysboro Corp.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.04% | -0.37% | 0.17% | 0.05% | 0.26% | 0.23% | 0.48% | 0.27% | +22 bps | |
| Return on Equity | -0.62% | -5.49% | 2.51% | 0.72% | 3.68% | 3.21% | 6.10% | 3.47% | +274 bps | |
| Net Interest Margin | 3.53% | 3.60% | 3.44% | 3.53% | 3.61% | 3.63% | 3.44% | 3.47% | -6 bps | |
| Efficiency Ratio | 90.43% | 88.38% | 93.20% | 82.16% | 84.60% | 87.61% | 90.48% | 91.77% | +961 bps | |
| Non-Interest Burden | 3.15% | 3.13% | 3.17% | 2.70% | 2.92% | 3.09% | 3.07% | 3.18% | +48 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.01% | -7.72% | -4.81% | -6.34% | -6.13% | 0.09% | -4.73% | -2.29% | +405 bps | |
| Loan Growth (YoY) | -1.94% | -4.74% | -4.34% | -7.97% | -8.04% | -7.93% | -8.16% | -6.51% | +145 bps | |
| Deposit Growth (YoY) | -3.83% | -6.72% | -5.09% | -6.89% | -6.77% | -1.14% | -6.10% | -3.32% | +357 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 7.39% | 7.25% | 6.87% | 3.04% | 2.94% | 3.77% | 3.66% | 3.39% | +35 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.12% | 1.35% | 3.21% | 2.59% | 1.96% | 0.66% | 0.34% | -287 bps | |
| Allowance / Loans | 1.96% | 2.68% | 2.41% | 1.87% | 1.46% | 1.40% | 1.22% | 1.32% | -55 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.4x | 0.4x | 0.6x | 0.5x | 0.4x | 0.3x | 0.4x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.12% | 8.89% | 8.86% | 8.90% | 9.18% | 9.27% | 9.46% | 9.35% | +45 bps | |
| Total Risk-Based Capital | 9.12% | 8.89% | 8.86% | 15.07% | 15.44% | 15.32% | 15.54% | 16.03% | +95 bps | |
| Equity / Assets | 7.27% | 6.76% | 6.74% | 6.95% | 7.73% | 7.77% | 7.89% | 7.90% | +95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.56% | 75.41% | 71.07% | 69.19% | 70.58% | 70.23% | 69.52% | 66.91% | -228 bps | |
| Liquid Assets / Assets | 5.81% | 4.09% | 6.16% | 6.07% | 4.69% | 4.16% | 4.25% | 6.92% | +85 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 231% | 235% | 233% | n/a | n/a | |
Murphysboro, IL · Cert 3818 · Peer group: banks under $1B in assets in IL (n=149-151) · First of Murphysboro Corp.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
0.27%
Rank 140 of 151
Net Interest Margin
3.47%
Rank 71 of 151
Efficiency Ratio
91.77%
Rank 143 of 151
Equity / Assets
7.90%
Rank 135 of 151
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.27% | 0.70% | 1.03% | 1.34% | Beats 7% | 140 / 151 | ||
| Return on Equity | 3.44% | 6.74% | 9.34% | 12.94% | Beats 8% | 139 / 151 | ||
| Net Interest Margin | 3.47% | 3.02% | 3.43% | 3.83% | Beats 53% | 71 / 151 | ||
| Efficiency Ratio | 91.77% | 54.64% | 64.89% | 72.50% | Beats 6% | 143 / 151 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.39% | 0.20% | 0.66% | 1.77% | Beats 11% | 134 / 149 | ||
| Net Charge-Offs / Loans | 0.17% | 0.00% | 0.02% | 0.07% | Beats 15% | 127 / 149 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.78% | 11.83% | 14.17% | 18.66% | Beats 56% | 67 / 151 | ||
| Total Risk-Based Capital Ratio | 16.03% | 12.22% | 14.54% | 19.92% | Beats 59% | 62 / 151 | ||
| Equity / Assets | 7.90% | 9.10% | 10.65% | 12.40% | Beats 11% | 135 / 151 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 66.91% | 54.39% | 71.02% | 80.75% | 41st pctl | 88 / 149 | ||
| Loans / Assets | 61.30% | 45.91% | 61.31% | 68.01% | 49th pctl | 77 / 151 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||