The First Bank and Trust Company of Murphysboro: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The First Bank and Trust Company of Murphysboro of Murphysboro, IL against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.07% | 3.14% | -3.07% | 15th bottom |
| ROAE | 0.86% | 10.44% | -9.58% | 16th bottom |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.90% | 3.93% | -0.03% | 52nd above |
| Efficiency Ratio | 89.94% | 76.27% | +13.67% | 18th bottom |
| PPNR / Avg Assets | 0.21% | 1.40% | -1.19% | 14th bottom |
| Yield on Earning Assets | 4.85% | 5.35% | -0.50% | 34th below |
| Cost of Funds | 0.97% | 1.71% | -0.74% | 82nd top |
| Net Interest Spread | 3.67% | 3.31% | +0.36% | 65th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.55% | 1.33% | +2.22% | 8th bottom |
| NPA / Total Assets | 5.91% | 0.70% | +5.21% | 2nd bottom |
| NCO / Avg Loans | -0.01% | 0.11% | -0.12% | 79th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.32% | 1.49% | -0.17% | 57th above |
| ACL / NPLs (Coverage) | 37.22% | 866.97% | -829.75% | 12th bottom |
| Texas Ratio | 67.79% | 8.12% | +59.67% | 1st bottom |
| Provision / NCO | 10.47% | 316.09% | -305.62% | 41st below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.78% | 62.09% | -47.31% | 21st bottom |
| Tier 1 Ratio | 14.78% | 62.10% | -47.32% | 21st bottom |
| Total Capital Ratio | 16.03% | 63.06% | -47.03% | 23rd bottom |
| Leverage Ratio | 9.35% | 17.62% | -8.27% | 13th bottom |
| Equity / Assets | 7.90% | 16.44% | -8.54% | 8th bottom |
| TCE / Tangible Assets | 7.90% | 16.19% | -8.29% | 9th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 66.91% | 72.84% | -5.93% | 50th above |
| Core Deposit Ratio | 92.92% | 88.20% | +4.72% | 59th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.29% | 4.32% | -6.61% | 20th bottom |
| Loan Growth (Y/Y) | -6.51% | 6.75% | -13.26% | 15th bottom |
| Deposit Growth (Y/Y) | -3.32% | 3.79% | -7.11% | 19th bottom |
See The First Bank and Trust Company of Murphysboro's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First Bank and Trust Company of Murphysboro, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The First Bank and Trust Company of Murphysboro profile, how to read a UBPR, or how this data updates.