MURRAY BANK, THE

MURRAY, KY | Medium | Est. June 15, 1999, midnight | FDIC #35161 | RSSD #2819242 | OCC
Latest Report: 2025-12-31

MURRAY BANK, THE is amn medium FDIC-insured commercial bank headquartered in MURRAY, KY, established in June 15, 1999, midnight. As of 2025-12-31, the bank reported total assets of $549M and total deposits of $488M. Profitability stands at 1.65% ROA and 20.52% ROE, with a net interest margin of 3.88%. The bank's CET1 capital ratio is 12.88%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.63% and a Texas Ratio of 5.09%. FDIC Certificate #35161.

Assets

$549M

Deposits

$488M

Loans

$405M

Equity

$44M

Profitability

Return on Assets (ROA) 1.65%
Return on Equity (ROE) 20.52%
Net Interest Margin (NIM) 3.88%
Yield on Assets 5.97%
Cost of Funds 2.11%

Asset Quality

NPL Ratio 0.63%
Net Charge-Off Ratio 0.23%
Texas Ratio 5.09%
NPA Ratio 0.47%
ACL / Loans 1.45%

Capital & Liquidity

CET1 Ratio 12.88%
Tier 1 Capital 12.88%
Total Capital Ratio 14.13%
Leverage Ratio 9.14%
Loan-to-Deposit 82.97%

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