BlastPoint's Banking Scorecard
The First Bank and Trust Company of Murphysboro
Designations: ✓ Community bank
Murphysboro, IL
The First Bank and Trust Company of Murphysboro has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.09% above tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.34% above tier average
- - Nonperforming Asset Ratio 5.52% above tier average
- - ROA 0.36% below tier average
- - Efficiency Ratio 2.14% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$82.7M
-4.7% YoY
-0.7% QoQ
|
+$20.5M |
$62.2M
-0.6% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
74% |
| Total Loans ? |
$52.1M
-7.0% YoY
-1.7% QoQ
|
+$17.8M |
$34.2M
-1.4% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
80% |
| Total Deposits ? |
$75.8M
-6.1% YoY
-0.9% QoQ
|
+$24.1M |
$51.7M
-0.7% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
84% |
| Return on Assets ? |
0.48%
+181.7% YoY
+107.1% QoQ
|
-0.36% |
0.84%
-2.3% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
29% |
| Net Interest Margin ? |
3.95%
+2.6% YoY
-3.0% QoQ
|
+0.09% |
3.86%
+2.8% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
57% |
| Efficiency Ratio ? |
90.48%
-2.9% YoY
+3.3% QoQ
|
+2.14% |
88.34%
+0.3% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
21% |
| Delinquency Rate ? |
3.71%
-47.3% YoY
-2.9% QoQ
|
+2.34% |
1.37%
+33.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 9.8% in tier |
| Loan-to-Deposit Ratio ? |
68.67%
-1.0% YoY
-0.8% QoQ
|
+4.45% |
64.22%
-0.7% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
16.71%
+2.6% YoY
-6.7% QoQ
|
-7.01% |
23.71%
+0.3% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
29% |
| Nonperforming Asset Ratio ? |
6.31%
+13.3% YoY
-0.5% QoQ
|
+5.52% |
0.79%
+28.2% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 1.3% in tier |
| Tier 1 Capital Ratio ? |
14.38%
+62.2% YoY
+2.2% QoQ
|
-12.31% |
26.68%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.10%
+1.4% YoY
-85.4% QoQ
|
-0.56% |
0.67%
+1.9% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
73% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.