The First Bank and Trust Company of Murphysboro: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 5.28 percentage points higher than in Q1 2026, at 37.22%. On return on assets, The First Bank and Trust Company of Murphysboro is 20th from the bottom among 323 Illinois banks, 0.07% (Q2 2026). The First Bank and Trust Company of Murphysboro's return on assets of 0.07% is well below the 0.98% median for banks in the < $100M asset tier, a gap of 0.92 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.78% |
| Tier 1 risk-based capital ratio | 14.78% |
| Total risk-based capital ratio | 16.03% |
| Tier 1 leverage ratio | 9.35% |
| Equity capital to assets | 7.90% |
| Tangible equity to tangible assets | 7.90% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.55% |
| Non-performing assets ratio | 5.91% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 67.79% |
| Allowance for credit losses to loans | 1.32% |
| Reserve coverage of non-performing loans | 37.22% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.07% |
| Return on equity | 0.86% |
| Net interest margin | 3.90% |
| Efficiency ratio | 89.94% |
| Yield on earning assets | 4.85% |
| Cost of funds | 0.97% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 66.91% |
| Core deposits to total deposits | 92.92% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.61% |
| Securities to assets | 23.08% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 8.97% | -0.57% |
| Q4 2023 | — | — | — | 9.07% | 0.57% |
| Q1 2024 | — | — | — | 8.86% | -0.02% |
| Q2 2024 | — | — | — | 8.98% | 0.19% |
| Q3 2024 | — | — | — | 9.12% | -0.30% |
| Q4 2024 | — | — | — | 8.89% | -1.39% |
| Q1 2025 | — | — | — | 8.86% | 0.17% |
| Q2 2025 | 13.82% | 13.82% | 15.07% | 8.90% | -0.07% |
| Q3 2025 | 14.19% | 14.19% | 15.44% | 9.18% | 0.67% |
| Q4 2025 | 14.07% | 14.07% | 15.32% | 9.27% | 0.14% |
| Q1 2026 | 14.38% | 14.38% | 15.54% | 9.46% | 0.47% |
| Q2 2026 | 14.78% | 14.78% | 16.03% | 9.35% | 0.07% |
The First Bank and Trust Company of Murphysboro vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First Bank and Trust Company of Murphysboro, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The First Bank and Trust Company of Murphysboro profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3818) · FFIEC NIC profile (RSSD 303747)