Murphy-Wall State Bank and Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Murphy-Wall State Bank and Trust Company is an FDIC-insured commercial bank headquartered in Pinckneyville, IL, established in 1874 (FDIC certificate 10860), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $206.1M, up 2.5% from Q2 2025, the 190th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.01% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10860
- Headquarters
- Pinckneyville, IL
- Established
- 1874
- Total assets, Q2 2026
- $206.1M
- Assets vs Q2 2025
- +2.5%
- Tier 1 leverage ratio, Q2 2026
- 11.01%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 081905331
- Latest call report
- Q2 2026, FFIEC 051 · Murphy-Wall State Bank and Trust Company call report
- Holding company
- MURPHY-WALL BANCORP, INC.
- Asset rank in state
- 190th of 319 in Illinois
Murphy-Wall State Bank and Trust Company, based in Pinckneyville, Illinois, reported $206 million in assets at June 30, 2026, up 2.5% from a year earlier. It pays an average of 0.98% on its deposits and borrowings, about half the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it carries problem assets equal to 11.8% of the capital and reserves that would absorb them, 4.5 times the median of 2.6% for banks its size.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 1.67% of loans from 4.34%. Earnings jumped: net income for the quarter was $594,000, 48% above the same quarter a year earlier. One more trend to watch: loans are outrunning deposits: over the year loans rose 11.6% and deposits rose 2.1%.
As of June 30, 2026, Murphy-Wall State Bank and Trust Company reported a return on assets of 1.16%, a nonperforming-loan ratio of 1.67% and a Texas ratio of 11.83%. The figures come from its call report filed with the FFIEC.
Murphy-Wall State Bank and Trust Company ranks as the 190th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.8% to $206.1M, loans rose 3.1% and deposits fell 1.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 34.9% of total loans, followed by owner-occupied commercial real estate loans at 15.3%. The FDIC Summary of Deposits lists 6 offices for it, in 6 cities in IL; its Pinckneyville office books 61% of its branch deposits. On its Q2 2026 call report, Murphy-Wall State Bank and Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 105 E Water St, Pinckneyville, IL 62274
- County
- Perry
- 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
- —
- Call Report form
- FFIEC 051
- Established
- November 1, 1874
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 58
- Domestic deposits
- $183.8M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $204.5M
- Average total loans
- $134.4M
- Average interest-bearing deposits
- $147.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10860
- Fed RSSD
- 478140
- Website
- www.murphywall.com →
- Parent Holding Company
- MURPHY-WALL BANCORP, INC. (RSSD 2232748)
Profitability
Q2 annualizedBalance 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. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Murphy-Wall State Bank and Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Murphy-Wall State Bank and Trust Company's total assets ranged from $167.7M (Q3 2023) to $210.4M (Q4 2025), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$206.1M total assets against $201.2M; $185.0M total liabilities against $180.8M.
$136.2M net loans and leases against $122.1M; $183.8M total deposits against $180.0M.
$42.7M securities against $41.4M; $18.2M cash and balances due against $28.7M.
$2.7M total interest income against $2.4M; $453K total interest expense against $491K.
$2.2M net interest income against $1.9M.
$316K total noninterest income against $319K; $1.8M total noninterest expense against $1.7M.
$0 provision for credit losses against $0.
$594K net income against $401K.
1.16% return on assets against 0.80%; 4.62% net interest margin against 4.01%.
11.01% tier 1 leverage ratio against 11.37%.
Inside the full Murphy-Wall State Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeMurphy-Wall State Bank and Trust Company rankings
Its closest position to the top of a national ranking is 488 of 3,640, for Texas Ratio; its furthest is 2,639 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -2.61% (Q4 2025) to 1.16% (Q2 2026) and its net interest margin ran from 3.86% (Q3 2024) to 4.62% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.01% | 1.16% | 1.67% | 11.83% | 4.62% |
| Q1 2026 | 10.71% | 0.98% | 1.67% | 11.90% | 4.43% |
| Q4 2025 | 10.64% | -2.61% | 2.06% | 14.29% | 4.26% |
| Q3 2025 | 11.39% | 0.94% | 3.94% | 24.69% | 4.48% |
| Q2 2025 | 11.37% | 0.80% | 4.34% | 28.48% | 4.01% |
| Q1 2025 | 11.48% | 0.99% | 1.06% | 8.18% | 4.23% |
| Q4 2024 | 10.86% | 0.93% | 1.58% | 12.14% | 4.12% |
| Q3 2024 | 11.04% | 0.61% | 1.47% | 9.96% | 3.86% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → 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 |
|---|---|---|---|
| Murphy-Wall State Bank and Trust Company (main office) | Pinckneyville , IL | 62274 | $111.3M |
| Murphysboro Branch | Murphysboro , IL | 62966 | $28.8M |
| Oakdale State Bank Branch | Oakdale , IL | 62268 | $22.0M |
| Elkville Branch | Elkville , IL | 62932 | $18.9M |
| Carterville Facility Branch | Carterville , IL | 62918 | $1.4M |
| Marion Branch | Marion , IL | 62959 | $1.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 2, 2025 | Structure Change | Acquired Oakdale State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 11, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 11, 2013 | Structure Change | Acquired Elkville State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 220 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 99 applications, 68 loans originated, $9.0M originated, across 3 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $765K approved, $382K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Murphy-Wall State Bank and Trust Company
What are Murphy-Wall State Bank and Trust Company's total assets?
As of the Q2 2026 filing, Murphy-Wall State Bank and Trust Company reported total assets of $206.1 million in its FFIEC call report.
Where is Murphy-Wall State Bank and Trust Company headquartered?
It is headquartered in Pinckneyville, IL, United States.
When was Murphy-Wall State Bank and Trust Company founded?
It was established in 1874, per the FDIC institution directory.
Is Murphy-Wall State Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10860). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Murphy-Wall State Bank and Trust Company?
Murphy-Wall State Bank and Trust Company's primary federal regulator is the FDIC.
How many branches does Murphy-Wall State Bank and Trust Company operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Murphy-Wall State Bank and Trust Company's Texas Ratio?
Its Texas Ratio is 11.83% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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