PackageTrendsPeer
Letter portraitLegal landscape

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

$0.0M$2.7MINCOMEEXPENSE
Unfavorable gap of $2.7M · efficiency ratio beats 6% of banks under $1B in assets in IL
Bank 91.77%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.27%0.70%1.03%1.34%Beats 7%140 / 151
Return on Equity3.44%6.74%9.34%12.94%Beats 8%139 / 151
Net Interest Margin3.47%3.02%3.43%3.83%Beats 53%71 / 151
Efficiency Ratio91.77%54.64%64.89%72.50%Beats 6%143 / 151
Asset Quality
Nonperforming Loans / Loans3.39%0.20%0.66%1.77%Beats 11%134 / 149
Net Charge-Offs / Loans0.17%0.00%0.02%0.07%Beats 15%127 / 149
Capital
Tier 1 Capital Ratio14.78%11.83%14.17%18.66%Beats 56%67 / 151
Total Risk-Based Capital Ratio16.03%12.22%14.54%19.92%Beats 59%62 / 151
Equity / Assets7.90%9.10%10.65%12.40%Beats 11%135 / 151
Liquidity & Funding
Loans / Deposits66.91%54.39%71.02%80.75%41st pctl88 / 149
Loans / Assets61.30%45.91%61.31%68.01%49th pctl77 / 151
Brokered Deposits / Depositsn/aNot reported for this institution