Murphy Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Murphy Bank of Fresno, CA against its peer group of 2757 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 | 2.64% | 1.25% | +1.39% | 95th top |
| ROAE | 17.91% | 12.22% | +5.69% | 79th top |
| Net Interest Margin | 5.03% | 3.95% | +1.08% | 93rd top |
| Efficiency Ratio | 49.65% | 63.71% | -14.06% | 81st top |
| PPNR / Avg Assets | 2.55% | — | — | 90th top |
| Yield on Earning Assets | 7.91% | 5.67% | +2.24% | 99th top |
| Cost of Funds | 3.17% | 1.87% | +1.30% | 4th bottom |
| Net Interest Spread | 4.57% | — | — | 95th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.39% | 0.88% | -0.49% | 51st above |
| NPA / Total Assets | 0.34% | — | — | 49th below |
| NCO / Avg Loans | -0.18% | 0.15% | -0.33% | 98th top |
| ACL / Total Loans | 1.23% | — | — | 54th above |
| ACL / NPLs (Coverage) | 311.24% | — | — | 60th above |
| Texas Ratio | 2.11% | 5.96% | -3.85% | 56th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.89% | 11.75% | +3.14% | 86th top |
| Equity / Assets | 14.91% | 10.98% | +3.93% | 88th top |
| TCE / Tangible Assets | 14.91% | — | — | 89th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 102.55% | 80.44% | +22.11% | 8th bottom |
| Core Deposit Ratio | 60.12% | 86.95% | -26.83% | 2nd bottom |
| Wholesale Funding Ratio | 0.84% | — | — | 84th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.36% | — | — | 17th bottom |
| Loan Growth (Y/Y) | -0.42% | — | — | 20th bottom |
| Deposit Growth (Y/Y) | 0.51% | — | — | 26th below |
See Murphy Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Murphy Bank, 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 Murphy Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Murphy Bank peer analysis.