BlastPoint's Banking Scorecard

Murphy Bank

$100M-$1B Specialty: Other CA FDIC cert 25726

Fresno, CA

2 branches across CA

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 53 in CA.
Deposits +0.5% year over year ($296.9M on the books).
Delinquency rate 0.40%.
Return on assets 2.46%.
Efficiency ratio 50.37% vs a 64.48% peer average.
Loan-to-deposit ratio 101.29% 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 53 in CA

View $100M-$1B leaderboard (CA) →

Murphy Bank has 4 strengths but faces 3 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

+ Profitability Leader: Top 6.0% in tier
+ Net Interest Margin 1.06% above tier average
+ Efficiency Ratio 14.11% below tier average
+ Delinquency Rate 0.52% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 22.5% in tier
- Liquidity Strain: Bottom 30.4% in tier
- Non-Interest-Bearing Deposit Share 20.88% below tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$357.2M -0.4% YoY -0.7% QoQ	-$29.4M	$386.6M +1.2% YoY	$4.9B +8.2% YoY	$6.3B +7.7% YoY	55%
Total Loans ?	$300.8M -0.3% YoY +1.3% QoQ	+$42.4M	$258.3M +1.7% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	67%
Total Deposits ?	$296.9M +0.5% YoY -0.4% QoQ	-$29.8M	$326.7M +0.7% YoY	$4.0B +7.9% YoY	$4.9B +7.3% YoY	54%
Return on Assets ?	2.46% +34.7% YoY +7.4% QoQ	+1.14%	1.32% +10.8% YoY	1.69% +23.4% YoY	1.30% +12.1% YoY	Top 5.0% in tier
Net Interest Margin ?	5.05% +13.2% YoY +2.5% QoQ	+1.06%	3.99% +5.0% YoY	3.84% +2.9% YoY	3.95% +4.9% YoY	Top 7.3% in tier
Efficiency Ratio ?	50.37% -6.3% YoY -1.5% QoQ	-14.11%	64.48% -3.2% YoY	64.67% -10.5% YoY	70.05% +2.5% YoY	82%
Delinquency Rate ?	0.40% +20.6% YoY +9.0% QoQ	-0.52%	0.92% +15.7% YoY	1.15% +46.6% YoY	0.98% +16.3% YoY	51%
Loan-to-Deposit Ratio ?	101.29% -0.8% YoY +1.6% QoQ	+23.34%	77.95% +1.0% YoY	86.69% +1.8% YoY	79.03% +2.3% YoY	Bottom 8.5% in tier
Non-Interest-Bearing Deposit Share ?	1.15% +6.2% YoY +57.7% QoQ	-20.88%	22.03% -0.6% YoY	25.07% -3.4% YoY	21.98% -0.6% YoY	Bottom 1.2% in tier
Nonperforming Asset Ratio ?	0.34% +20.7% YoY +11.1% QoQ	-0.33%	0.67% +16.4% YoY	0.91% +41.3% YoY	0.69% +15.8% YoY	49%
Tier 1 Capital Ratio ?	14.89% +2.2% YoY +2.0% QoQ	-1.02%	15.91% +1.4% YoY	20.69% -2.9% YoY	17.09% +0.8% YoY	65%
Non-Interest Income / Assets ?	0.08% +19.8% YoY +181.7% QoQ	-0.49%	0.57% +7.6% YoY	1.26% +3.5% YoY	0.66% +5.2% YoY	Bottom 12.1% in tier

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 (CA)	National Avg	Tier Percentile
Noninterest-Bearing	1.1% +0.1pp YoY +0.4pp QoQ	-21.0pp	22.1%	25.5%	22.2%	1%
Brokered Deposits	12.6% -2.6pp YoY +1.7pp QoQ	+4.7pp	7.9%	11.0%	8.5%	81%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
C&I	23.0% -7.8pp YoY -2.2pp QoQ	+11.4pp	11.6%	11.8%	12.5%	92%
CRE	6.3% +1.2pp YoY -0.2pp QoQ	-33.2pp	39.5%	67.5%	41.4%	2%
1-4 Family	15.7% +0.9pp YoY +0.3pp QoQ	-16.9pp	32.6%	16.5%	31.3%	21%
Consumer	30.4% +4.0pp YoY +1.8pp QoQ	+26.3pp	4.1%	5.3%	5.0%	99%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	23.7%	19.7%	n/a
Leverage Ratio	14.9% +0.3pp YoY +0.3pp QoQ	+2.7pp	12.2%	14.5%	12.6%	86%
Total Capital Ratio	n/a	n/a	19.9%	25.1%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Full-Time Employees	35 -1 (-2.8%) YoY +1 (+2.9%) QoQ	-24	58	337	482	35%
Assets per Employee ($)	$10.2M +2.5% YoY -3.5% QoQ	+$2.7M	$7.5M	$11.3M	$8.8M	87%
Branch Count	2 0 YoY 0 QoQ	-3	4	15	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% +0.1pp YoY +0.1pp QoQ	-0.2pp	0.3%	0.3%	0.4%	54%
Nonaccrual	0.3% 0.0pp YoY -0.1pp QoQ	-0.7pp	0.9%	1.4%	1.0%	37%
Allowance Coverage	3.11x -22.9% YoY -10.9% QoQ	-21.04x	24.15x	17.11x	20.23x	60%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY -0.1pp QoQ	-0.1pp	0.1%	0.3%	0.2%	41%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
ROE	16.7% +4.1pp YoY +1.0pp QoQ	+4.5pp	12.2%	8.2%	11.6%	76%
Cost of Funds (YTD)	3.0% -0.5pp YoY 0.0pp QoQ	+1.3pp	1.7%	1.9%	1.7%	97%
Net Income ($, YTD)	$4.4M +36.6% YoY — QoQ	+$1.9M	$2.6M	$28.5M	$40.4M	84%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (1)

Profitability Leader

growth

#41 of 661 • Top 6.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.46%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk

#283 of 1256 • Bottom 22.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.40%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

Liquidity Strain

risk

#211 of 691 • Bottom 30.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 101.29%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | 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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

134

Return on Assets

profitability

Value: 2.46%

Peer Median: 1.32%

#134 of 2643 Top 5.0% in $100M-$1B

195

Net Interest Margin

profitability

Value: 5.05%

Peer Median: 3.99%

#195 of 2643 Top 7.3% in $100M-$1B

469

Efficiency Ratio

profitability

Value: 50.37%

Peer Median: 64.48%

#469 of 2643 Top 17.7% in $100M-$1B

Top Weaknesses (3 metrics)

2611

Non-Interest-Bearing Deposit Share

funding

Value: 1.15%

Peer Median: 22.03%

#2611 of 2643 Bottom 1.2% in $100M-$1B

2419

Loan-to-Deposit Ratio

liquidity

Value: 101.29%

Peer Median: 77.95%

#2419 of 2643 Bottom 8.5% in $100M-$1B

2324

Non-Interest Income / Assets

revenue_mix

Value: 0.08%

Peer Median: 0.57%

#2324 of 2643 Bottom 12.1% in $100M-$1B