MURPHY BANK

FRESNO, CA | Small | Est. Feb. 1, 1984, midnight | FDIC #25726 | RSSD #855563 | FDIC
Latest Report: 2025-12-31

MURPHY BANK is asn small FDIC-insured commercial bank headquartered in FRESNO, CA, established in Feb. 1, 1984, midnight. As of 2025-12-31, the bank reported total assets of $365M and total deposits of $304M. Profitability stands at 1.95% ROA and 13.25% ROE, with a net interest margin of 5.14%. The bank's CET1 capital ratio is 14.67%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.17% and a Texas Ratio of 0.91%. FDIC Certificate #25726.

Assets

$365M

Deposits

$304M

Loans

$306M

Equity

$54M

Profitability

Return on Assets (ROA) 1.95%
Return on Equity (ROE) 13.25%
Net Interest Margin (NIM) 5.14%
Yield on Assets 8.42%
Cost of Funds 3.59%

Asset Quality

NPL Ratio 0.17%
Net Charge-Off Ratio 0.21%
Texas Ratio 0.91%
NPA Ratio 0.14%
ACL / Loans 1.29%

Capital & Liquidity

CET1 Ratio 14.67%
Tier 1 Capital 14.67%
Total Capital Ratio 15.40%
Leverage Ratio 14.81%
Loan-to-Deposit 100.68%

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