First Bank and Trust Company of Murphysboro, the
First Bank and Trust Company of Murphysboro, the is the primary bank subsidiary of its parent holding company, headquartered in Murphysboro, IL, during the post-Reconstruction banking expansion. Total assets stand at $83M. Profitability runs below industry average — 0.47% ROA, 6.10% ROE, with NIM at 3.88%. Capital is comfortably above regulatory minimums — CET1 ratio of 14.38% sits well above the 7% well-capitalized threshold. Asset quality is impaired, with nonperforming loans at 3.82%. The bank operates from a single office.
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
- Fed District
- 9
- Established
- January 1, 1889
- Branches
- 1 domestic
- Employees (FTE)
- 22
- FDIC Cert
- 3818
- Fed RSSD
- 303747
- Website
- www.fb-t.com →
- Parent Holding Company
- FIRST OF MURPHYSBORO CORP. (RSSD 1097678)
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Non-performing assets exceed half of the bank's capital plus reserves. Worth monitoring — not yet at the historical failure-risk threshold.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%.
First Bank and Trust Company of Murphysboro, the rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about First Bank and Trust Company of Murphysboro, the
What are First Bank and Trust Company of Murphysboro, the's total assets?
As of the Q1 2026 filing, First Bank and Trust Company of Murphysboro, the reported total assets of $82.7 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Bank and Trust Company of Murphysboro, the headquartered?
First Bank and Trust Company of Murphysboro, the is headquartered in MURPHYSBORO, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Bank and Trust Company of Murphysboro, the founded?
First Bank and Trust Company of Murphysboro, the was established in 1889, per the FDIC institution directory.
Is First Bank and Trust Company of Murphysboro, the FDIC-insured?
Yes. First Bank and Trust Company of Murphysboro, the 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 First Bank and Trust Company of Murphysboro, the?
First Bank and Trust Company of Murphysboro, the's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Bank and Trust Company of Murphysboro, the's CET1 capital ratio?
First Bank and Trust Company of Murphysboro, the reported a Common Equity Tier 1 (CET1) capital ratio of 14.38% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does First Bank and Trust Company of Murphysboro, the operate?
First Bank and Trust Company of Murphysboro, the operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.
What is First Bank and Trust Company of Murphysboro, the's Texas Ratio?
First Bank and Trust Company of Murphysboro, the's Texas Ratio is 73.92% — elevated — credit issues exceed half of the bank's capital cushion (50–100%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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