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First Bank and Trust Company of Murphysboro, The

Murphysboro, IL · Cert 3818 · First of Murphysboro Corp.

State charter, non-member · FDIC · 1 branch

Q2 2026

$83.1MAssets
$50.9MLoans
$76.1MDeposits
$6.6MEquity
Loan mix
81%RE $39.9M11%C&I $5.2M9%Consumer $4.4MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $61.7M19%Noninterest $14.5MQ2 2025Q2 2026

NIM

4.71%Q2 ’244.48%Q2 ’254.40%Q2 ’26+5%-2%

Non-interest income vs. expense

3.44%Q2 ’244.01%Q2 ’252.96%Q2 ’26-28%+50%

Executive Summary

  • Earnings: ROA of 0.07%, up 14 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 3.39% of loans (+35 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 9.35%, up 45 bps from a year ago.
  • Funding: loans stand at 66.91% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.07%+14 bps YoY

Net Interest Margin (quarter, annualized)

3.53%-7 bps YoY

Efficiency Ratio (quarter, annualized)

93.31%+1,906 bps YoY

Tier 1 Leverage Ratio

9.35%+45 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.07%0.68%0.14%0.48%0.07%+14 bps
Return on Equity-1.02%9.30%1.87%6.10%0.86%+188 bps
Net Interest Margin3.60%3.66%3.61%3.44%3.53%-7 bps
Efficiency Ratio74.25%90.27%98.38%90.48%93.31%+1,906 bps
Non-Interest Burden2.22%3.27%3.55%3.07%3.32%+111 bps
Growth
Asset Growth (YoY)-6.34%-6.13%0.09%-4.73%-2.29%+405 bps
Loan Growth (YoY)-7.97%-8.04%-7.93%-8.16%-6.51%+145 bps
Deposit Growth (YoY)-6.89%-6.77%-1.14%-6.10%-3.32%+357 bps
Asset Quality
Nonperforming Loans / Loans3.04%2.94%3.77%3.66%3.39%+35 bps
Net Charge-Offs / Loans4.99%1.27%0.08%0.66%-0.01%-500 bps
Allowance / Loans1.87%1.46%1.40%1.22%1.32%-55 bps
Allowance Coverage of NPLs0.6x0.5x0.4x0.3x0.4x-0.2x
Capital
Tier 1 Leverage Ratio8.90%9.18%9.27%9.46%9.35%+45 bps
Total Risk-Based Capital15.07%15.44%15.32%15.54%16.03%+95 bps
Equity / Assets6.95%7.73%7.77%7.89%7.90%+95 bps
Liquidity & Funding
Loans / Deposits69.19%70.58%70.23%69.52%66.91%-228 bps
Liquid Assets / Assets6.07%4.69%4.16%4.25%6.92%+85 bps
CRE / Total Capitaln/a231%235%233%n/an/a