The First Bank and Trust Company of Murphysboro
The First Bank and Trust Company of Murphysboro is an FDIC-insured commercial bank headquartered in Murphysboro, IL, supervised by the FDIC, with $83.1M in total assets at Q2 2026, down 2.3% from Q2 2025, the 271st largest of 319 banks headquartered in Illinois. It was established in 1889 and holds FDIC certificate 3818. Its CET1 capital ratio was 14.78% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
Also written as FB&T
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 3818
- Headquarters
- Murphysboro, IL
- Established
- 1889
- Total assets, Q2 2026
- $83.1M
- Assets vs Q2 2025
- -2.3%
- CET1 ratio, Q2 2026
- 14.78%
- Domestic offices
- 1 · The First Bank and Trust Company of Murphysboro branches FDIC institution directory, current count
- Routing number
- 081202869
- Safety and soundness
- Is The First Bank and Trust Company of Murphysboro safe?
- Latest call report
- Q2 2026, FFIEC 051 · The First Bank and Trust Company of Murphysboro call report
- Holding company
- FIRST OF MURPHYSBORO CORP.
- Asset rank in state
- 271st of 319 in Illinois
Problem loans are rising at The First Bank and Trust Company of Murphysboro. Its balance sheet stood at $83 million at June 30, 2026, down 2.3% from a year earlier; it is based in Murphysboro, Illinois. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.39% of loans from 3.04% a year earlier. It carries problem assets equal to 66.7% of the capital and reserves that would absorb them, 34.6 times the median of 1.9% for the 533 banks with less than $100 million in assets. It also funds 9.35% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 12.81%).
The balance sheet shrank over the year: over the year loans fell 6.5% and deposits fell 3.3%. Paper losses on its bond portfolio are shrinking: unrealized losses of $1.8 million equal 23% of Tier 1 capital, down from 31% a year earlier. Profitability lags: it returns 0.9% a year on shareholders' equity, a small fraction of the median of 8.6% for banks its size.
As of June 30, 2026, The First Bank and Trust Company of Murphysboro reported a CET1 capital ratio of 14.78%, a return on assets of 0.07%, a nonperforming-loan ratio of 3.39% and a Texas ratio of 66.66%. The figures come from its call report filed with the FFIEC.
The First Bank and Trust Company of Murphysboro ranks as the 271st largest of the 319 banks based in Illinois, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.5% to $83.1M, loans fell 3.4% and deposits rose 0.4%. 1-4 family residential loans made up 40.1% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 16.8%. The FDIC Summary of Deposits lists a single office for it, in Murphysboro, IL. On its Q2 2026 call report, The First Bank and Trust Company of Murphysboro meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1403 Walnut St, Murphysboro, IL 62966
- County
- Jackson
- Metro Area
- Carbondale, IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1889
- Former names
- The First Bank and Trust Company of Murphysboro (1980)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 19
- Domestic deposits
- $76.1M
- Allowance for credit losses
- $673K
- Net charge-offs (YTD)
- $86K
- Average total assets
- $84.9M
- Average total loans
- $51.9M
- Average interest-bearing deposits
- $62.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3818
- Fed RSSD
- 303747
- Website
- www.fb-t.com →
- Parent Holding Company
- FIRST OF MURPHYSBORO CORP. (RSSD 1097678)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The First Bank and Trust Company of Murphysboro's total assets ran between $82.7M (Q1 2026) and $91.2M (Q1 2024), and it earned a profit in 7 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$83.1M total assets against $85.0M; $76.5M total liabilities against $79.1M.
$50.3M net loans and leases against $53.5M; $76.1M total deposits against $78.7M.
$19.2M securities against $18.6M; $7.0M cash and balances due against $5.8M.
$934K total interest income against $970K; $184K total interest expense against $189K.
$750K net interest income against $781K.
-$77K total noninterest income against $388K; $628K total noninterest expense against $868K.
$31K provision for credit losses against $310K.
$14K net income against -$15K.
0.07% return on assets against -0.07%; 3.90% net interest margin against 3.87%.
14.78% CET1 capital ratio against 13.82%; 9.35% tier 1 leverage ratio against 8.90%.
Inside the full The First Bank and Trust Company of Murphysboro terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Non-performing assets exceed half of the bank's capital plus reserves. Worth monitoring, not yet at the historical failure-risk threshold. BankRegReports early-warning band below the 100% heuristic.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
The First Bank and Trust Company of Murphysboro rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.39% (Q4 2024) to 0.67% (Q3 2025) and its net interest margin ran from 3.67% (Q1 2025) to 4.18% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.78% | 0.07% | 3.39% | 66.66% | 3.90% |
| Q1 2026 | 14.38% | 0.47% | 3.66% | 72.78% | 3.88% |
| Q4 2025 | 14.07% | 0.14% | 3.77% | 73.11% | 4.01% |
| Q3 2025 | 14.19% | 0.67% | 2.94% | 69.38% | 4.18% |
| Q2 2025 | 13.82% | -0.07% | 3.04% | 70.70% | 3.87% |
| Q1 2025 | — | 0.17% | 6.87% | 66.77% | 3.67% |
| Q4 2024 | — | -1.39% | 7.25% | 70.97% | 3.75% |
| Q3 2024 | — | -0.30% | 7.39% | 68.59% | 3.77% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First Bank and Trust Company of Murphysboro | Murphysboro , IL | 62966 | $76.1M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve). These actions name the parent holding company, FIRST OF MURPHYSBORO CORP., not the bank itself
- November 25, 2024, Federal Reserve: Cease and Desist Order: First of Murphysboro Corp., Murphysboro, Illinois
- Period: Most recent institution action November 25, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 317 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 21 applications, 19 loans originated, $3.3M originated, across 1 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- Not on file
- SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The First Bank and Trust Company of Murphysboro
What are The First Bank and Trust Company of Murphysboro's total assets?
As of the Q2 2026 filing, The First Bank and Trust Company of Murphysboro reported total assets of $83.1 million in its FFIEC call report.
Where is The First Bank and Trust Company of Murphysboro headquartered?
It is headquartered in Murphysboro, IL, United States.
When was The First Bank and Trust Company of Murphysboro founded?
It was established in 1889, per the FDIC institution directory.
Is The First Bank and Trust Company of Murphysboro FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3818). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First Bank and Trust Company of Murphysboro?
The First Bank and Trust Company of Murphysboro's primary federal regulator is the FDIC.
What is The First Bank and Trust Company of Murphysboro's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.78% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The First Bank and Trust Company of Murphysboro operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First Bank and Trust Company of Murphysboro's Texas Ratio?
Its Texas Ratio is 66.66% in its Q2 2026 call report, elevated, credit issues exceed half of the bank's capital cushion (50 to 100%). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was The First Bank and Trust Company of Murphysboro previously called?
The charter now named The First Bank and Trust Company of Murphysboro has also operated as The First Bank and Trust Company of Murphysboro (1980), per FDIC structure-change records.
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