Murphysboro, IL · Cert 3818 · First of Murphysboro Corp.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.30% | -1.40% | 0.17% | -0.07% | 0.68% | 0.14% | 0.48% | 0.07% | +14 bps | |
| Return on Equity | -4.27% | -19.95% | 2.51% | -1.02% | 9.30% | 1.87% | 6.10% | 0.86% | +188 bps | |
| Net Interest Margin | 3.69% | 3.64% | 3.44% | 3.60% | 3.66% | 3.61% | 3.44% | 3.53% | -7 bps | |
| Efficiency Ratio | 82.73% | 82.30% | 93.20% | 74.25% | 90.27% | 98.38% | 90.48% | 93.31% | +1,906 bps | |
| Non-Interest Burden | 2.95% | 2.91% | 3.17% | 2.22% | 3.27% | 3.55% | 3.07% | 3.32% | +111 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 | 0.10% | 0.14% | 1.35% | 4.99% | 1.27% | 0.08% | 0.66% | -0.01% | -500 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 | |