Bank Comparison
Rivers Edge Bank vs Murphy Bank
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At Q2 2026, Murphy Bank is the larger bank, with $357.2M in total assets to Rivers Edge Bank's $357.1M; Murphy Bank has the higher return on assets (2.64% vs 1.71%).
vs
7 · 6
winning metrics across 13 scored rows
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Capital adequacy
| Metric | Rivers Edge Bank | Murphy Bank |
|---|---|---|
| CET1 Ratio | 10.33% | — |
| Tier 1 Capital Ratio | 10.33% | — |
| Total Capital Ratio | 11.58% | — |
| Tier 1 Leverage Ratio | 8.30% | 14.89% |
| Equity / Assets | 9.09% | 14.91% |
Profitability
| Metric | Rivers Edge Bank | Murphy Bank |
|---|---|---|
| Return on Assets (ROA) | 1.71% | 2.64% |
| Return on Equity (ROE) | 19.08% | 17.91% |
| Net Interest Margin (NIM) | 3.98% | 5.03% |
| Yield on Earning Assets | 6.10% | 7.91% |
| Cost of Funds | 2.24% | 3.17% |
Asset quality
| Metric | Rivers Edge Bank | Murphy Bank |
|---|---|---|
| Texas Ratio | 1.35% | 2.11% |
| Non-Performing Loan Ratio | 0.16% | 0.39% |
| Non-Performing Asset Ratio | 0.12% | 0.34% |
| Net Charge-Off Ratio | 0.10% | -0.18% |
| ACL / Loans | 1.27% | 1.23% |
Balance sheet
| Metric | Rivers Edge Bank | Murphy Bank |
|---|---|---|
| Total Assets | $357.1M | $357.2M |
| Total Deposits | $295.9M | $296.9M |
| Total Loans | $273.6M | $304.5M |
| Total Equity | $32.5M | $53.3M |
| Net Income (quarter) | $1.5M | $2.4M |
Liquidity & funding
| Metric | Rivers Edge Bank | Murphy Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 92.47% | 102.55% |
| Core Deposit Ratio | 84.92% | 60.12% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Rivers Edge Bank | Murphy Bank |
|---|---|---|
| Headquarters City | Marion | Fresno |
| Headquarters State | SD | CA |
| Asset Tier | $100M to $1B in assets | $100M to $1B in assets |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 2 |
| Employees (FTE) | 33 | 35 |
| Established | January 1, 1904 | February 1, 1984 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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