BanksMURPHY-WALL STATE BANK AND TRUST COMPANY

MURPHY-WALL STATE BANK AND TRUST COMPANY

PINCKNEYVILLE, ILSmallEst. Nov. 1, 1874, midnightFDIC #10860RSSD #478140FDIC
Latest · 2025-12-31

MURPHY-WALL STATE BANK AND TRUST COMPANY is an 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%. CET1 capital ratio: 8.91%. NPL ratio: 2.06% · Texas Ratio: 13.16%. Operates 6 domestic branches.

Assets
$210M
Deposits
$189M
Loans
$131M
Equity
$20M

Profitability

Return on Assets (ROA)-2.55%
Return on Equity (ROE)-25.18%
Net Interest Margin4.51%
Yield on Assets5.41%
Cost of Funds0.93%

Asset Quality

NPL Ratio2.06%
Net Charge-Off Ratio1.94%
Texas Ratio13.16%
NPA Ratio1.37%
ACL / Loans1.20%

Capital & Liquidity

CET1 Ratio8.91%
Tier 1 Capital8.91%
Total Capital Ratio9.36%
Leverage Ratio10.64%
Loan-to-Deposit69.34%

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