The First Bank and Trust Company of Murphysboro: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Operating from Murphysboro, IL, The First Bank and Trust Company of Murphysboro serves its local market as an FDIC-insured commercial bank. As of Q2 2026, the bank held approximately $83M in total assets and $76M in deposits. Returns are subdued: 0.07% ROA and 0.86% ROE. Capital is comfortably above regulatory requirements, CET1 ratio of 14.78% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics show stress, 3.55% NPLs and a 67.79% Texas Ratio above the 100% historical failure threshold. The bank operates from a single office.
As of June 30, 2026, The First Bank and Trust Company of Murphysboro reported a CET1 capital ratio of 14.78%, a return on assets of 0.07%, a nonperforming-loan ratio of 3.55%, a Texas ratio of 67.79%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 1403 Walnut St, Murphysboro, IL 62966
- County
- Jackson
- Metro Area
- Carbondale, IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1889
- Former names
- The First Bank and Trust Company of Murphysboro (1980)
- Offices
- 1 domestic
- Employees (FTE)
- 19
- Domestic deposits
- $76.1M
- Allowance for credit losses
- $673K
- Net charge-offs (YTD)
- $86K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3818
- Fed RSSD
- 303747
- Website
- www.fb-t.com →
- Parent Holding Company
- FIRST OF MURPHYSBORO CORP. (RSSD 1097678)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The First Bank and Trust Company of Murphysboro terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The First Bank and Trust Company of Murphysboro, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Non-performing assets exceed half of the bank's capital plus reserves. Worth monitoring, not yet at the historical failure-risk threshold. BankRegReports early-warning band below the 100% heuristic.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans, well above the typical community-bank range of 0.5–1.5%. BankRegReports band vs the 0.5–1.5% industry norm.
The First Bank and Trust Company of Murphysboro rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.78% | 0.07% | 3.55% | 67.79% | 3.90% |
| Q1 2026 | 14.38% | 0.47% | 3.82% | 73.92% | 3.88% |
| Q4 2025 | 14.07% | 0.14% | 3.92% | 74.26% | 4.01% |
| Q3 2025 | 14.19% | 0.67% | 2.92% | 70.54% | 4.18% |
| Q2 2025 | 13.82% | -0.07% | 2.81% | 71.91% | 3.87% |
| Q1 2025 | — | 0.17% | 7.01% | 67.95% | 3.67% |
| Q4 2024 | — | -1.39% | 7.40% | 72.21% | 3.75% |
| Q3 2024 | — | -0.30% | 7.15% | 69.73% | 3.77% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 1 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First Bank and Trust Company of Murphysboro | Murphysboro , IL | 62966 | $76.1M |
Regulatory record
What the public regulatory sources show for The First Bank and Trust Company of Murphysboro, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve). These actions name the parent holding company, FIRST OF MURPHYSBORO CORP., not the bank itself
- November 25, 2024, Federal Reserve: Cease and Desist Order: First of Murphysboro Corp., Murphysboro, Illinois
- Period: Most recent institution action November 25, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 317 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 21 applications, 19 loans originated, $3.3M originated, across 1 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows The First Bank and Trust Company of Murphysboro’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare The First Bank and Trust Company of Murphysboro with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about The First Bank and Trust Company of Murphysboro
What are The First Bank and Trust Company of Murphysboro's total assets?
As of the Q2 2026 filing, The First Bank and Trust Company of Murphysboro reported total assets of $83.1 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The First Bank and Trust Company of Murphysboro headquartered?
The First Bank and Trust Company of Murphysboro is headquartered in Murphysboro, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was The First Bank and Trust Company of Murphysboro founded?
The First Bank and Trust Company of Murphysboro was established in 1889, per the FDIC institution directory.
Is The First Bank and Trust Company of Murphysboro FDIC-insured?
Yes. The First Bank and Trust Company of Murphysboro is an FDIC-insured commercial bank (FDIC Certificate #3818). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First Bank and Trust Company of Murphysboro?
The First Bank and Trust Company of Murphysboro's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The First Bank and Trust Company of Murphysboro's CET1 capital ratio?
The First Bank and Trust Company of Murphysboro reported a Common Equity Tier 1 (CET1) capital ratio of 14.78% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The First Bank and Trust Company of Murphysboro operate?
The First Bank and Trust Company of Murphysboro operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First Bank and Trust Company of Murphysboro's Texas Ratio?
The First Bank and Trust Company of Murphysboro's Texas Ratio is 67.79% in its Q2 2026 call report, elevated, credit issues exceed half of the bank's capital cushion (50–100%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was The First Bank and Trust Company of Murphysboro previously called?
The charter now named The First Bank and Trust Company of Murphysboro has also operated as The First Bank and Trust Company of Murphysboro (1980), per FDIC structure-change records.
Go deeper on The First Bank and Trust Company of Murphysboro.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock The First Bank and Trust Company of Murphysboro, freeFree account