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Murphy-Wall State Bank and Trust Company

$100M-$1B Specialty: Commercial IL FDIC cert 10860

Pinckneyville, IL

6 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits +2.1% year over year ($183.8M on the books).
  • Delinquency rate 1.69%.
  • Return on assets 1.05%.
  • Efficiency ratio 70.05% vs a 64.48% peer average.
  • Loan-to-deposit ratio 74.08% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

Murphy-Wall State Bank and Trust Company has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.55% above tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 44.5% in tier
  • - ROA 0.27% below tier average
  • - Efficiency Ratio 5.57% above tier average
  • - Delinquency Rate 0.77% above tier average
Get updates when Murphy-Wall State Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $206.1M
+2.5% YoY -0.8% QoQ
-$180.4M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
28%
Total Loans ? $136.2M
+11.5% YoY +3.2% QoQ
-$122.2M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
31%
Total Deposits ? $183.8M
+2.1% YoY -1.6% QoQ
-$142.9M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
30%
Return on Assets ? 1.05%
+16.2% YoY +10.0% QoQ
-0.27% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
37%
Net Interest Margin ? 4.54%
+4.3% YoY +2.6% QoQ
+0.55% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
81%
Efficiency Ratio ? 70.05%
-4.8% YoY -1.0% QoQ
+5.57% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
30%
Delinquency Rate ? 1.69%
-61.5% YoY +0.2% QoQ
+0.77% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
16%
Loan-to-Deposit Ratio ? 74.08%
+9.2% YoY +4.8% QoQ
-3.87% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
62%
Non-Interest-Bearing Deposit Share ? 21.49%
+2.1% YoY +5.1% QoQ
-0.54% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
52%
Nonperforming Asset Ratio ? 1.21%
-57.2% YoY +3.9% QoQ
+0.54% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
16%
Tier 1 Capital Ratio ? 11.01%
-3.2% YoY +2.8% QoQ
-4.90% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
24%
Non-Interest Income / Assets ? 0.29%
-7.4% YoY +116.2% QoQ
-0.28% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
70%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 21.5%
+0.4pp YoY
+1.0pp QoQ
 -0.7pp 22.1% 20.1% 22.2% 52%
Brokered Deposits 1.1%
-5.1pp YoY
-1.8pp QoQ
 -6.8pp 7.9% 8.0% 8.5% 20%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 10.6%
-5.3pp YoY
-1.7pp QoQ
 -1.0pp 11.6% 14.7% 12.5% 56%
CRE 43.7%
+6.4pp YoY
+2.1pp QoQ
 +4.2pp 39.5% 37.9% 41.4% 60%
1-4 Family 35.3%
-0.6pp YoY
-0.4pp QoQ
 +2.7pp 32.6% 28.3% 31.3% 62%
Consumer 3.9%
+0.9pp YoY
-0.2pp QoQ
 -0.2pp 4.1% 5.4% 5.0% 69%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 19.9% 19.7% n/a
Leverage Ratio 11.0%
-0.4pp YoY
+0.3pp QoQ
 -1.2pp 12.2% 12.2% 12.6% 50%
Total Capital Ratio n/a n/a 19.9% 20.9% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 58
-1 (-1.7%) YoY
+1 (+1.8%) QoQ
 -1 58 228 482 61%
Assets per Employee ($) $3.6M
+4.2% YoY
-2.5% QoQ
 -$4.0M $7.5M $8.3M $8.8M 2%
Branch Count 6
0 YoY
0 QoQ
 +1 4 10 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.1pp YoY
 -0.3pp 0.3% 0.4% 0.4% 35%
Nonaccrual 1.7%
-2.6pp YoY
0.0pp QoQ
 +0.7pp 0.9% 1.1% 1.0% 84%
Allowance Coverage 0.69x
+181.6% YoY
-3.3% QoQ
 -23.46x 24.15x 5.62x 20.23x 17%
Net Charge-off Rate (YTD) 0.0%
-0.3pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 32%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 10.6%
+1.1pp YoY
+0.8pp QoQ
 -1.6pp 12.2% 10.5% 11.6% 40%
Cost of Funds (YTD) 0.9%
-0.2pp YoY
0.0pp QoQ
 -0.8pp 1.7% 1.6% 1.7% 8%
Net Income ($, YTD) $1.1M
+23.6% YoY
— QoQ
 -$1.5M $2.6M $11.7M $40.4M 29%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk
#295 of 661 • Bottom 44.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 11.01%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

504
Net Interest Margin
profitability
Value: 4.54%
Peer Median: 3.99%
#504 of 2643 Top 19.0% in $100M-$1B

Top Weaknesses (3 metrics)

2206
Delinquency Rate
credit_quality
Value: 1.69%
Peer Median: 0.92%
#2206 of 2633 Bottom 16.3% in $100M-$1B
2214
Nonperforming Asset Ratio
credit_quality
Value: 1.21%
Peer Median: 0.67%
#2214 of 2643 Bottom 16.3% in $100M-$1B
2020
Tier 1 Capital Ratio
capital
Value: 11.01%
Peer Median: 15.91%
#2020 of 2643 Bottom 23.6% in $100M-$1B
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