BlastPoint's Banking Scorecard
Murphy Bank
Fresno, CA
2 branches across CA
Murphy Bank has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 14.3% in tier
- + Net Interest Margin 0.99% above tier average
- + Efficiency Ratio 14.15% below tier average
- + Delinquency Rate 0.52% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 28.3% in tier
- - Non-Interest-Bearing Deposit Share 21.29% below tier average
- - Non-Interest Income / Assets 0.25% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$359.6M
+2.2% YoY
-1.6% QoQ
|
-$26.5M |
$386.1M
+0.5% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
56% |
| Total Loans ? |
$297.0M
+0.4% YoY
-1.8% QoQ
|
+$41.3M |
$255.7M
+1.1% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
67% |
| Total Deposits ? |
$298.0M
+4.4% YoY
-2.1% QoQ
|
-$30.0M |
$328.0M
+0.1% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
54% |
| Return on Assets ? |
2.29%
+33.2% YoY
+15.9% QoQ
|
+1.02% |
1.27%
+12.9% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
Top 7.2% in tier |
| Net Interest Margin ? |
4.93%
+16.2% YoY
+4.3% QoQ
|
+0.99% |
3.93%
+6.0% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
Top 8.4% in tier |
| Efficiency Ratio ? |
51.14%
-9.2% YoY
-0.8% QoQ
|
-14.15% |
65.29%
-4.5% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
82% |
| Delinquency Rate ? |
0.37%
-12.1% YoY
-29.8% QoQ
|
-0.52% |
0.89%
+18.8% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
99.67%
-3.8% YoY
+0.3% QoQ
|
+23.03% |
76.64%
+0.8% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
Bottom 8.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.73%
-2.0% YoY
-11.2% QoQ
|
-21.29% |
22.02%
-1.0% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
Bottom 1.0% in tier |
| Nonperforming Asset Ratio ? |
0.30%
-13.6% YoY
-29.9% QoQ
|
-0.34% |
0.64%
+19.7% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
50% |
| Tier 1 Capital Ratio ? |
14.59%
+0.6% YoY
-1.5% QoQ
|
-1.24% |
15.83%
+1.5% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.03%
-12.7% YoY
-82.7% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 6.9% in tier |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.