BlastPoint's Banking Scorecard
The First Bank and Trust Company of Murphysboro
Designations: ✓ Community bank
Murphysboro, 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 536 banks in the under $100M peer group nationwide — 1 of 60 in IL.
- Deposits -3.3% year over year ($76.1M on the books).
- Delinquency rate 3.43%.
- Return on assets 0.27%.
- Efficiency ratio 91.77% vs a 119.40% peer average.
- Loan-to-deposit ratio 66.03% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First Bank and Trust Company of Murphysboro has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.08% above tier average
- + Efficiency Ratio 27.63% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.95% above tier average
- - Nonperforming Asset Ratio 4.97% above tier average
- - Non-Interest Income / Assets 1.37% below tier average
- - ROA 0.73% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$83.1M
-2.3% YoY
+0.5% QoQ
|
+$20.6M |
$62.4M
-0.0% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
75% |
| Total Loans ? |
$50.3M
-6.0% YoY
-3.5% QoQ
|
+$15.4M |
$34.9M
-0.6% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
76% |
| Total Deposits ? |
$76.1M
-3.3% YoY
+0.4% QoQ
|
+$24.5M |
$51.6M
-0.2% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
Top 14.9% in tier |
| Return on Assets ? |
0.27%
+451.0% YoY
-42.9% QoQ
|
-0.73% |
1.00%
+3.5% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
19% |
| Net Interest Margin ? |
4.00%
+0.6% YoY
+1.1% QoQ
|
+0.08% |
3.91%
+2.3% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
56% |
| Efficiency Ratio ? |
91.77%
+11.7% YoY
+1.4% QoQ
|
-27.63% |
119.40%
+49.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
16% |
| Delinquency Rate ? |
3.43%
+10.8% YoY
-7.4% QoQ
|
+1.95% |
1.48%
+31.8% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
Bottom 9.9% in tier |
| Loan-to-Deposit Ratio ? |
66.03%
-2.8% YoY
-3.8% QoQ
|
-8.18% |
74.21%
+12.6% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
18.99%
+8.1% YoY
+13.7% QoQ
|
-4.50% |
23.49%
+0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
35% |
| Nonperforming Asset Ratio ? |
5.81%
+0.8% YoY
-7.9% QoQ
|
+4.97% |
0.84%
+23.0% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
Bottom 2.4% in tier |
| Tier 1 Capital Ratio ? |
14.78%
+6.9% YoY
+2.8% QoQ
|
-12.35% |
27.13%
+3.0% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
45% |
| Non-Interest Income / Assets ? |
0.01%
-98.1% YoY
-89.6% QoQ
|
-1.37% |
1.38%
+6.3% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 4.3% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
19.0%
+1.4pp YoY +2.3pp QoQ |
-5.6pp | 24.6% | 20.1% | 22.2% | 32% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.6%
+2.7pp YoY +1.6pp QoQ |
-1.8pp | 13.4% | 14.7% | 12.5% | 57% |
| CRE |
34.1%
-1.9pp YoY -1.5pp QoQ |
+8.9pp | 25.2% | 37.9% | 41.4% | 71% |
| 1-4 Family |
40.6%
+1.7pp YoY +0.5pp QoQ |
+5.7pp | 35.0% | 28.3% | 31.3% | 63% |
| Consumer |
8.2%
-2.3pp YoY -0.2pp QoQ |
+0.5pp | 7.7% | 5.4% | 5.0% | 70% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.8%
+1.0pp YoY +0.4pp QoQ |
-23.9pp | 38.7% | 19.9% | 19.7% | 21% |
| Leverage Ratio |
9.3%
+0.4pp YoY -0.1pp QoQ |
-8.3pp | 17.7% | 12.2% | 12.6% | 12% |
| Total Capital Ratio |
16.0%
+1.0pp YoY +0.5pp QoQ |
-23.6pp | 39.7% | 20.9% | 20.8% | 23% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
19
+1 (+5.6%) YoY -3 (-13.6%) QoQ |
+7 | 12 | 228 | 482 | 87% |
| Assets per Employee ($) |
$4.4M
-7.4% YoY +16.3% QoQ |
-$1.8M | $6.2M | $8.3M | $8.8M | 27% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 10 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
3.4%
+0.7pp YoY -0.3pp QoQ |
+1.7pp | 1.7% | 1.1% | 1.0% | 89% |
| Allowance Coverage |
0.39x
-36.7% YoY +17.1% QoQ |
-6.02x | 6.41x | 5.62x | 20.23x | 13% |
| Net Charge-off Rate (YTD) |
0.3%
-2.7pp YoY -0.3pp QoQ |
+0.2pp | 0.2% | 0.1% | 0.2% | 86% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
3.5%
+2.8pp YoY -2.6pp QoQ |
-2.9pp | 6.4% | 10.5% | 11.6% | 26% |
| Cost of Funds (YTD) |
1.0%
0.0pp YoY 0.0pp QoQ |
-0.4pp | 1.4% | 1.6% | 1.7% | 27% |
| Net Income ($, YTD) |
$113,000
+438.1% YoY — QoQ |
-$205K | $317,817 | $11.7M | $40.4M | 25% |
Get Full Access to The First Bank and Trust Company of Murphysboro
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.