MURPHY-WALL STATE BANK AND TRUST COMPANY

PINCKNEYVILLE, IL | Small | Est. Nov. 1, 1874, midnight | FDIC #10860 | RSSD #478140 | FDIC
Latest Report: 2025-12-31

MURPHY-WALL STATE BANK AND TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in PINCKNEYVILLE, IL, established in Nov. 1, 1874, midnight. As of 2025-12-31, the bank reported total assets of $210M and total deposits of $189M. Profitability stands at -2.55% ROA and -25.18% ROE, with a net interest margin of 4.51%. The bank's CET1 capital ratio is 8.31%. Asset quality metrics show a non-performing loan ratio of 2.06% and a Texas Ratio of 13.16%. FDIC Certificate #10860.

Assets

$210M

Deposits

$189M

Loans

$131M

Equity

$20M

Profitability

Return on Assets (ROA) -2.55%
Return on Equity (ROE) -25.18%
Net Interest Margin (NIM) 4.51%
Yield on Assets 5.41%
Cost of Funds 0.93%

Asset Quality

NPL Ratio 2.06%
Net Charge-Off Ratio 1.94%
Texas Ratio 13.16%
NPA Ratio 1.37%
ACL / Loans 1.20%

Capital & Liquidity

CET1 Ratio 8.31%
Tier 1 Capital 8.31%
Total Capital Ratio 8.73%
Leverage Ratio 10.64%
Loan-to-Deposit 69.34%

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