Murphy-Wall State Bank and Trust Company: 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.
Loan-to-deposit ratio climbed 3.43 percentage points in Q2 2026, from 71.52% to 74.94%. It was the largest change from Q1 2026 among the key lines here. Murphy-Wall State Bank and Trust Company ranks 169th of 323 Illinois banks on return on assets, in the lower half at 1.16% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Murphy-Wall State Bank and Trust Company sits 0.09 points lower, at 1.16% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.01% |
| Equity capital to assets | 10.26% |
| Tangible equity to tangible assets | 9.51% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.63% |
| Non-performing assets ratio | 1.18% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 11.83% |
| Allowance for credit losses to loans | 1.15% |
| Reserve coverage of non-performing loans | 70.46% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.16% |
| Return on equity | 11.43% |
| Net interest margin | 4.62% |
| Efficiency ratio | 68.71% |
| Yield on earning assets | 5.54% |
| Cost of funds | 0.98% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.94% |
| Core deposits to total deposits | 90.84% |
| Brokered deposits to total deposits | 1.10% |
| Deposits to assets | 89.17% |
| Securities to assets | 20.70% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.53% | 0.96% | 3.94% | 1.25% | -0.20% |
| Q4 2023 | 10.67% | 0.93% | 3.90% | 1.16% | 0.00% |
| Q1 2024 | 10.23% | 0.81% | 3.70% | 1.09% | 0.00% |
| Q2 2024 | 10.97% | 0.92% | 3.82% | 1.07% | 0.00% |
| Q3 2024 | 11.04% | 0.61% | 3.86% | 1.20% | 0.00% |
| Q4 2024 | 10.86% | 0.93% | 4.12% | 1.14% | 0.01% |
| Q1 2025 | 11.48% | 0.99% | 4.23% | 1.03% | 0.21% |
| Q2 2025 | 11.37% | 0.80% | 4.01% | 4.17% | 0.34% |
| Q3 2025 | 11.39% | 0.94% | 4.48% | 3.77% | 0.00% |
| Q4 2025 | 10.64% | -2.61% | 4.26% | 2.06% | 7.49% |
| Q1 2026 | 10.71% | 0.98% | 4.43% | 1.67% | 0.00% |
| Q2 2026 | 11.01% | 1.16% | 4.62% | 1.63% | 0.00% |
Murphy-Wall State Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Murphy-Wall State Bank and Trust Company, 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 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)