The Murray Bank: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 125.55 percentage points lower than in Q1 2026, at 79.30%. Within Kentucky, The Murray Bank is 36th of 119 on return on assets, 1.65% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Murray Bank sits 0.39 points higher, at 1.65% (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 | 9.96% |
| Equity capital to assets | 9.06% |
| Tangible equity to tangible assets | 9.06% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.95% |
| Non-performing assets ratio | 1.50% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 14.61% |
| Allowance for credit losses to loans | 1.55% |
| Reserve coverage of non-performing loans | 79.30% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.65% |
| Return on equity | 18.60% |
| Net interest margin | 3.57% |
| Efficiency ratio | 45.88% |
| Yield on earning assets | 5.26% |
| Cost of funds | 1.87% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.91% |
| Core deposits to total deposits | 85.97% |
| Brokered deposits to total deposits | 2.77% |
| Deposits to assets | 89.25% |
| Securities to assets | 17.84% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.51% | 13.51% | 14.76% | 8.81% | 1.11% |
| Q4 2023 | 13.68% | 13.68% | 14.93% | 8.88% | 1.14% |
| Q1 2024 | 13.54% | 13.54% | 14.79% | 8.96% | 1.08% |
| Q2 2024 | 12.80% | 12.80% | 14.05% | 8.78% | 0.99% |
| Q3 2024 | 12.45% | 12.45% | 13.71% | 8.69% | 1.21% |
| Q4 2024 | 12.71% | 12.71% | 13.97% | 8.65% | 1.42% |
| Q1 2025 | 12.52% | 12.52% | 13.77% | 8.89% | 1.52% |
| Q2 2025 | 12.79% | 12.79% | 14.05% | 9.03% | 1.70% |
| Q3 2025 | 12.53% | 12.53% | 13.78% | 9.08% | 1.69% |
| Q4 2025 | 12.88% | 12.88% | 14.13% | 9.14% | 1.65% |
| Q1 2026 | 13.02% | 13.02% | 14.27% | 9.56% | 2.02% |
| Q2 2026 | — | — | — | 9.96% | 1.65% |
The Murray Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Murray Bank, 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 The Murray Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35161) · FFIEC NIC profile (RSSD 2819242)