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 | |