BlastPoint's Banking Scorecard
Murphy Bank
Micro
Specialty: Commercial
CA
FDIC cert 25726
Designations: ✓ Community bank
Fresno, CA
2498
banks in Micro tier nationally
36 in CA
View Micro leaderboard (CA) →
Murphy Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.89% above tier
- + Loan-to-Deposit Ratio 24.86% above tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 21.58% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$365.3M
+2.5% YoY
+1.2% QoQ
|
+$147.8M |
$217.5M
+2.3% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
83% |
| Total Loans ? |
$302.3M
+0.9% YoY
-0.1% QoQ
|
+$163.2M |
$139.2M
+2.8% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
Top 7% in tier |
| Total Deposits ? |
$304.2M
+4.2% YoY
+2.6% QoQ
|
+$120.6M |
$183.7M
+1.8% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
82% |
| Return on Assets ? |
1.98%
+31.0% YoY
-0.6% QoQ
|
+0.89% |
1.08%
+14.7% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
Top 10% in tier |
| Net Interest Margin ? |
4.72%
+19.7% YoY
+2.0% QoQ
|
+0.87% |
3.85%
+6.6% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
85% |
| Efficiency Ratio ? |
51.54%
-12.4% YoY
+0.0% QoQ
|
-16.19% |
67.73%
-4.8% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Top 13% in tier |
| Delinquency Rate ? |
0.52%
+356.8% YoY
+50.7% QoQ
|
-0.12% |
0.64%
+24.4% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
99.38%
-3.1% YoY
-2.7% QoQ
|
+24.86% |
74.53%
+0.5% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.82%
+15.4% YoY
-27.3% QoQ
|
-21.58% |
22.39%
-1.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
0.43%
+349.8% YoY
+48.6% QoQ
|
-0.02% |
0.45%
+25.1% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
41% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.16%
+25.1% YoY
+32.8% QoQ
|
-0.40% |
0.56%
+0.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
17% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 10%
in Micro
Why this stands out
Current:
1.98%
(Tier avg: 1.08%, National avg: 1.12%)
Loan-to-Deposit Ratio
metric
Top 10%
in Micro
Why this stands out
Current:
99.38%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.82%
(Tier avg: 22.39%, National avg: 21.79%)
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
93
93th pctile
Total Loans
Current: $302.3M · Tier avg: $139.2M
90
90th pctile
Loan-to-Deposit Ratio
Current: 99.38% · Tier avg: 74.53%
90
90th pctile
Return on Assets
Current: 1.98% · Tier avg: 1.08%
87
87th pctile
Efficiency Ratio
Current: 51.54% · Tier avg: 67.73%
85
85th pctile
Net Interest Margin
Current: 4.72% · Tier avg: 3.85%
83
83th pctile
Total Assets
Current: $365.3M · Tier avg: $217.5M
82
82th pctile
Total Deposits
Current: $304.2M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
44
44th pctile
Delinquency Rate
Current: 0.52% · Tier avg: 0.64%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.45%
17
17th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.82% · Tier avg: 22.39%
Top Weaknesses
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.82% · Tier avg: 22.39%
17
17th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.45%
44
44th pctile
Delinquency Rate
Current: 0.52% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
82
82th pctile
Total Deposits
Current: $304.2M · Tier avg: $183.7M
83
83th pctile
Total Assets
Current: $365.3M · Tier avg: $217.5M
85
85th pctile
Net Interest Margin
Current: 4.72% · Tier avg: 3.85%
87
87th pctile
Efficiency Ratio
Current: 51.54% · Tier avg: 67.73%
90
90th pctile
Return on Assets
Current: 1.98% · Tier avg: 1.08%
90
90th pctile
Loan-to-Deposit Ratio
Current: 99.38% · Tier avg: 74.53%
93
93th pctile
Total Loans
Current: $302.3M · Tier avg: $139.2M