The Murray Bank
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Data as of · sourced from FFIEC call reports. How we update
The Murray Bank is an FDIC-insured savings institution headquartered in Murray, KY, established in 1999 (FDIC certificate 35161), and it is supervised by the OCC. At Q2 2026 it reported total assets of $534.1M, up 0.7% from Q2 2025, the 35th largest of 120 banks headquartered in Kentucky. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.96% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 35161
- Headquarters
- Murray, KY
- Established
- 1999
- Total assets, Q2 2026
- $534.1M
- Assets vs Q2 2025
- +0.7%
- Tier 1 leverage ratio, Q2 2026
- 9.96%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 083974412
- Holding company
- BANCKENTUCKY, INC.
- Asset rank in state
- 35th of 120 in Kentucky
Problem loans are rising at The Murray Bank. The Murray, Kentucky bank had $534 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.95% of loans from 0.69% a year earlier. It carries problem assets equal to 14.6% of the capital and reserves that would absorb them, 5.5 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it spends about 46 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 61 cents).
The non-owner-occupied commercial real estate book ($46 million) is worsening: 3.53% of it is past due or on nonaccrual, up from 0.06% a year earlier. The commercial and industrial book ($68 million) is worsening: 2.34% of it is past due or on nonaccrual, up from 0.68% a year earlier.
As of June 30, 2026, The Murray Bank reported a return on assets of 1.65%, a nonperforming-loan ratio of 1.95% and a Texas ratio of 14.61%. The figures come from its call report filed with the FFIEC.
Of the 120 banks headquartered in Kentucky, The Murray Bank is the 35th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 3.0% to $534.1M, loans rose 0.9% and deposits fell 2.2%. 1-4 family residential loans made up 39.5% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 16.6%. The FDIC Summary of Deposits lists 3 offices for it, in Murray, KY and Hazel, KY; its Murray 2 offices book 97% of its branch deposits. Judged on its Q2 2026 call report, The Murray Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 405 S 12th St, Murray, KY 42071
- County
- Calloway
- Metro Area
- Murray, KY
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 15, 1999
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 70
- Domestic deposits
- $476.7M
- Allowance for credit losses
- $6.3M
- Net charge-offs (YTD)
- $16K
- Average total assets
- $536.2M
- Average total loans
- $403.4M
- Average interest-bearing deposits
- $382.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 15, 1999
- FDIC Cert
- 35161
- Fed RSSD
- 2819242
- Website
- www.themurraybank.com →
- Parent Holding Company
- BANCKENTUCKY, INC. (RSSD 3832592)
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, The Murray Bank 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, The Murray Bank's total assets ranged from $462.4M (Q3 2023) to $550.9M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$534.1M total assets against $530.5M; $485.7M total liabilities against $489.5M.
$403.2M net loans and leases against $384.7M; $476.7M total deposits against $473.9M.
$95.3M securities against $105.2M; $19.9M cash and balances due against $24.6M.
$7.1M total interest income against $7.1M; $2.3M total interest expense against $2.7M.
$4.8M net interest income against $4.4M.
$571K total noninterest income against $638K; $2.5M total noninterest expense against $2.6M.
$703K provision for credit losses against $165K.
$2.2M net income against $2.2M.
1.65% return on assets against 1.70%; 3.57% net interest margin against 3.37%.
9.96% tier 1 leverage ratio against 9.03%.
Inside the full The Murray Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Murray Bank rankings
Its closest position to the top of a national ranking is 328 of 3,640, for Texas Ratio; its furthest is 1,700 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.21% (Q3 2024) to 2.02% (Q1 2026) and its net interest margin ran from 2.96% (Q3 2024) to 3.59% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.96% | 1.65% | 1.95% | 14.61% | 3.57% |
| Q1 2026 | 9.56% | 2.02% | 0.68% | 5.31% | 3.55% |
| Q4 2025 | 9.14% | 1.65% | 0.63% | 5.09% | 3.59% |
| Q3 2025 | 9.08% | 1.69% | 0.69% | 5.54% | 3.45% |
| Q2 2025 | 9.03% | 1.70% | 0.69% | 5.74% | 3.37% |
| Q1 2025 | 8.89% | 1.52% | 0.04% | 0.37% | 3.19% |
| Q4 2024 | 8.65% | 1.42% | 0.04% | 0.32% | 3.08% |
| Q3 2024 | 8.69% | 1.21% | 0.04% | 0.33% | 2.96% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| The Murray Bank | Murray , KY | 42071 | $322.3M |
| 700 B North 12th Street Branch | Murray , KY | 42071 | $141.1M |
| The Murray Bank Hazel Branch | Hazel , KY | 42049 | $13.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in KY, rank 50 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 The Murray Bank
What are The Murray Bank's total assets?
As of the Q2 2026 filing, The Murray Bank reported total assets of $534.1 million in its FFIEC call report.
Where is The Murray Bank headquartered?
It is headquartered in Murray, KY, United States.
When was The Murray Bank founded?
It was established in 1999, per the FDIC institution directory.
Is The Murray Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #35161). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Murray Bank?
The Murray Bank's primary federal regulator is the OCC.
How many branches does The Murray Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Murray Bank's Texas Ratio?
Its Texas Ratio is 14.61% 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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