Murphy-Wall State Bank and Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) dropped 10.64 percentage points in Q2 2026, from 54.36% to 43.72%. It was the largest change from Q1 2026 among the key lines here. Murphy-Wall State Bank and Trust Company ranks 168th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 74.94% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Murphy-Wall State Bank and Trust Company sits 5.89 points lower, at 74.94% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $137.7M |
| Net loans and leases | $136.2M |
| Loans held for sale | $0 |
| Loans to total assets | 66.82% |
| Loan-to-deposit ratio | 74.94% |
| Net loans to equity capital | 6.44% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.28% |
| Multifamily (5+ residential) | 8.37% |
| Commercial and industrial | 10.44% |
| Consumer | 3.83% |
| Credit cards | 0.00% |
| Farm | 4.25% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.08% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 160.68% |
| Construction concentration (Tier 1 capital + allowance) | 43.72% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.83% |
| Interest income on loans | $2.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $108.3M | $153.7M | 24.40% | 18.95% | 4.46% |
| Q4 2023 | $114.4M | $162.1M | 23.10% | 20.43% | 3.96% |
| Q1 2024 | $111.6M | $163.2M | 23.83% | 17.93% | 3.82% |
| Q2 2024 | $112.2M | $161.9M | 24.30% | 17.79% | 3.57% |
| Q3 2024 | $112.4M | $161.4M | 26.09% | 17.16% | 3.47% |
| Q4 2024 | $116.6M | $166.5M | 26.13% | 19.21% | 3.20% |
| Q1 2025 | $123.5M | $181.8M | 25.42% | 15.87% | 3.20% |
| Q2 2025 | $123.4M | $180.0M | 25.78% | 15.64% | 2.94% |
| Q3 2025 | $127.5M | $180.5M | 25.06% | 15.84% | 2.84% |
| Q4 2025 | $131.3M | $189.4M | 24.39% | 15.98% | 3.93% |
| Q1 2026 | $133.6M | $186.7M | 25.70% | 12.10% | 3.99% |
| Q2 2026 | $137.7M | $183.8M | 27.28% | 10.44% | 3.83% |
Murphy-Wall State Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Murphy-Wall State Bank and Trust Company, freeSource: Call Report Schedule RC-C, 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 Murphy-Wall State Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10860) · FFIEC NIC profile (RSSD 478140)