BlastPoint's Banking Scorecard
Murphy-Wall State Bank and Trust Company
Micro
Specialty: Commercial
IL
FDIC cert 10860
Designations: ✓ Community bank
Pinckneyville, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Murphy-Wall State Bank and Trust Company faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.06% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$210.4M
+15.3% YoY
+3.8% QoQ
|
-$7.1M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
54% |
| Total Loans ? |
$129.8M
+12.7% YoY
+2.9% QoQ
|
-$9.4M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
53% |
| Total Deposits ? |
$189.4M
+13.8% YoY
+5.0% QoQ
|
+$5.7M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
57% |
| Return on Assets ? |
0.02%
-97.4% YoY
-97.8% QoQ
|
-1.06% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 7% in tier |
| Net Interest Margin ? |
4.44%
+11.3% YoY
+0.4% QoQ
|
+0.58% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
77% |
| Efficiency Ratio ? |
72.10%
-3.1% YoY
-1.8% QoQ
|
+4.37% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
35% |
| Delinquency Rate ? |
2.08%
+29.7% YoY
-47.7% QoQ
|
+1.44% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 12% in tier |
| Loan-to-Deposit Ratio ? |
68.51%
-0.9% YoY
-2.0% QoQ
|
-6.02% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
24.89%
+5.8% YoY
+10.8% QoQ
|
+2.50% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
63% |
| Nonperforming Asset Ratio ? |
1.37%
+29.1% YoY
-46.8% QoQ
|
+0.92% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 13% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.60%
-8.0% YoY
+26.4% QoQ
|
+0.04% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
77% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Return on Assets
metric
Bottom 7%
in Micro
Why this stands out
Current:
0.02%
(Tier avg: 1.08%, National avg: 1.12%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
77
77th pctile
Net Interest Margin
Current: 4.44% · Tier avg: 3.85%
77
77th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.56%
64
64th pctile
Loan-to-Deposit Ratio
Current: 68.51% · Tier avg: 74.53%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 24.89% · Tier avg: 22.39%
57
57th pctile
Total Deposits
Current: $189.4M · Tier avg: $183.7M
54
54th pctile
Total Assets
Current: $210.4M · Tier avg: $217.5M
53
53th pctile
Total Loans
Current: $129.8M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
35
35th pctile
Efficiency Ratio
Current: 72.10% · Tier avg: 67.73%
13
13th pctile
Nonperforming Asset Ratio
Current: 1.37% · Tier avg: 0.45%
12
12th pctile
Delinquency Rate
Current: 2.08% · Tier avg: 0.64%
7
7th pctile
Return on Assets
Current: 0.02% · Tier avg: 1.08%
Top Weaknesses
7
7th pctile
Return on Assets
Current: 0.02% · Tier avg: 1.08%
12
12th pctile
Delinquency Rate
Current: 2.08% · Tier avg: 0.64%
13
13th pctile
Nonperforming Asset Ratio
Current: 1.37% · Tier avg: 0.45%
35
35th pctile
Efficiency Ratio
Current: 72.10% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Total Loans
Current: $129.8M · Tier avg: $139.2M
54
54th pctile
Total Assets
Current: $210.4M · Tier avg: $217.5M
57
57th pctile
Total Deposits
Current: $189.4M · Tier avg: $183.7M
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 24.89% · Tier avg: 22.39%
64
64th pctile
Loan-to-Deposit Ratio
Current: 68.51% · Tier avg: 74.53%
77
77th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.56%
77
77th pctile
Net Interest Margin
Current: 4.44% · Tier avg: 3.85%