BlastPoint's Banking Scorecard
Murphy-Wall State Bank and Trust Company
Pinckneyville, IL
6 branches across IL
Murphy-Wall State Bank and Trust Company has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.49% above tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 35.9% in tier
- - ROA 0.31% below tier average
- - Efficiency Ratio 5.44% above tier average
- - Delinquency Rate 0.80% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$207.7M
+2.3% YoY
-1.3% QoQ
|
-$178.4M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
29% |
| Total Loans ? |
$132.0M
+8.1% YoY
+1.7% QoQ
|
-$123.8M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
30% |
| Total Deposits ? |
$186.7M
+2.7% YoY
-1.4% QoQ
|
-$141.2M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
31% |
| Return on Assets ? |
0.95%
+1.3% YoY
|
-0.31% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
35% |
| Net Interest Margin ? |
4.42%
+3.6% YoY
+2.2% QoQ
|
+0.49% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
79% |
| Efficiency Ratio ? |
70.73%
-1.3% YoY
-1.9% QoQ
|
+5.44% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
31% |
| Delinquency Rate ? |
1.69%
+56.8% YoY
-18.8% QoQ
|
+0.80% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
70.67%
+5.2% YoY
+3.1% QoQ
|
-5.97% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
20.44%
+2.8% YoY
-17.9% QoQ
|
-1.58% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
47% |
| Nonperforming Asset Ratio ? |
1.16%
+45.3% YoY
-15.2% QoQ
|
+0.52% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
16% |
| Tier 1 Capital Ratio ? |
10.71%
-6.7% YoY
+0.6% QoQ
|
-5.12% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
19% |
| Non-Interest Income / Assets ? |
0.13%
-11.5% YoY
-77.8% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
68% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.