Murphy-Wall State Bank and Trust Company: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Net interest margin rose 0.19 percentage points in Q2 2026 to 4.62%, the biggest move on this page. Among 323 Illinois banks, Murphy-Wall State Bank and Trust Company sits 28th from the top on net interest margin, 4.62% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Murphy-Wall State Bank and Trust Company sits 0.67 points higher, at 4.62% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.54% |
| Yield on loans | 6.83% |
| Yield on securities | 2.38% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.98% |
| Cost of interest-bearing deposits | 1.24% |
| Cost of interest-bearing liabilities | 1.24% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.62% |
| Yield to cost spread | 4.30% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.3M |
| Total interest expense | $453K |
| Interest expense on deposits | $453K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.72% | 0.82% | 3.94% | 6.01% | 1.99% |
| Q4 2023 | 4.76% | 0.90% | 3.90% | 6.02% | 1.96% |
| Q1 2024 | 4.83% | 1.21% | 3.70% | 6.09% | 2.02% |
| Q2 2024 | 4.85% | 1.12% | 3.82% | 6.25% | 2.03% |
| Q3 2024 | 5.08% | 1.28% | 3.86% | 6.48% | 2.10% |
| Q4 2024 | 5.27% | 1.19% | 4.12% | 6.54% | 2.35% |
| Q1 2025 | 5.26% | 1.09% | 4.23% | 6.65% | 2.26% |
| Q2 2025 | 5.02% | 1.09% | 4.01% | 6.15% | 2.28% |
| Q3 2025 | 5.39% | 0.97% | 4.48% | 6.72% | 2.37% |
| Q4 2025 | 5.14% | 0.94% | 4.26% | 6.60% | 1.69% |
| Q1 2026 | 5.33% | 0.94% | 4.43% | 6.76% | 2.34% |
| Q2 2026 | 5.54% | 0.98% | 4.62% | 6.83% | 2.38% |
Murphy-Wall State Bank and Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Murphy-Wall State Bank and Trust Company, freeSource: Call Report Schedules RI and RC-K, 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)