Murphy-Wall State Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Murphy-Wall State Bank and Trust Company of Pinckneyville, IL against its peer group of 2672 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 | 1.16% | 1.34% | -0.18% | 43rd below |
| ROAE | 11.43% | 13.31% | -1.88% | 44th below |
| Net Interest Margin | 4.62% | 3.93% | +0.69% | 83rd top |
| Efficiency Ratio | 68.71% | 61.14% | +7.57% | 31st below |
| PPNR / Avg Assets | 1.51% | 1.68% | -0.17% | 45th below |
| Yield on Earning Assets | 5.54% | 5.67% | -0.13% | 47th below |
| Cost of Funds | 0.98% | 1.88% | -0.90% | 92nd top |
| Net Interest Spread | 4.30% | 3.32% | +0.98% | 91st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.63% | 0.94% | +0.69% | 17th bottom |
| NPA / Total Assets | 1.18% | 0.70% | +0.48% | 16th bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.15% | 1.28% | -0.13% | 44th below |
| ACL / NPLs (Coverage) | 70.46% | 1538.99% | -1468.53% | 18th bottom |
| Texas Ratio | 11.83% | 7.33% | +4.50% | 18th bottom |
| Provision / NCO | 1100.00% | 1395.58% | -295.58% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.01% | 12.14% | -1.13% | 51st above |
| Equity / Assets | 10.26% | 11.37% | -1.11% | 49th below |
| TCE / Tangible Assets | 9.51% | 11.09% | -1.58% | 40th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.94% | 80.64% | -5.70% | 61st above |
| Core Deposit Ratio | 90.84% | 86.86% | +3.98% | 60th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.47% | 6.85% | -4.38% | 35th below |
| Loan Growth (Y/Y) | 11.59% | 7.90% | +3.69% | 78th top |
| Deposit Growth (Y/Y) | 2.08% | 6.29% | -4.21% | 36th below |
See Murphy-Wall State Bank and Trust Company's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Murphy-Wall State Bank and Trust Company, 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-Wall State Bank and Trust Company profile, how to read a UBPR, or how this data updates.