First Bank and Trust Company of Murphysboro, The
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
$83.1MAssets
$50.9MLoans
$76.1MDeposits
$6.6MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 59% of banks under $1B in assets in IL (rank 62 of 151).
- Widest gap: efficiency ratio trails 94% of banks under $1B in assets in IL (rank 143 of 151).
- Overall: at or above the peer median on 3 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $2.7M · efficiency ratio beats 6% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |