FIRST BANK AND TRUST COMPANY OF MURPHYSBORO, THE

MURPHYSBORO, IL | Micro | Est. Jan. 1, 1889, midnight | FDIC #3818 | RSSD #303747 | FDIC
Latest Report: 2025-12-31

FIRST BANK AND TRUST COMPANY OF MURPHYSBORO, THE is amn micro FDIC-insured commercial bank headquartered in MURPHYSBORO, IL, established in Jan. 1, 1889, midnight. As of 2025-12-31, the bank reported total assets of $83M and total deposits of $76M. Profitability stands at 0.14% ROA and 1.87% ROE, with a net interest margin of 4.01%. The bank's CET1 capital ratio is 14.07%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 3.77% and a Texas Ratio of 73.11%. FDIC Certificate #3818.

Assets

$83M

Deposits

$76M

Loans

$54M

Equity

$6M

Profitability

Return on Assets (ROA) 0.14%
Return on Equity (ROE) 1.87%
Net Interest Margin (NIM) 4.01%
Yield on Assets 4.93%
Cost of Funds 1.12%

Asset Quality

NPL Ratio 3.77%
Net Charge-Off Ratio 1.96%
Texas Ratio 73.11%
NPA Ratio 6.34%
ACL / Loans 1.40%

Capital & Liquidity

CET1 Ratio 14.07%
Tier 1 Capital 14.07%
Total Capital Ratio 15.32%
Leverage Ratio 9.27%
Loan-to-Deposit 70.23%

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