BlastPoint's Banking Scorecard
The First Bank and Trust Company of Murphysboro
Micro
Specialty: Commercial
IL
FDIC cert 3818
Designations: ✓ Community bank
Murphysboro, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
The First Bank and Trust Company of Murphysboro faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 3.18% above tier
- - Nonperforming Asset Ratio 5.89% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$83.3M
+0.1% YoY
+0.7% QoQ
|
-$134.2M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
17% |
| Total Loans ? |
$53.0M
-6.7% YoY
+0.3% QoQ
|
-$86.2M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
22% |
| Total Deposits ? |
$76.5M
-1.1% YoY
+0.7% QoQ
|
-$107.2M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
20% |
| Return on Assets ? |
0.23%
+162.3% YoY
-11.0% QoQ
|
-0.85% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 11% in tier |
| Net Interest Margin ? |
4.07%
+7.6% YoY
+0.7% QoQ
|
+0.22% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
62% |
| Efficiency Ratio ? |
87.61%
-0.9% YoY
+3.6% QoQ
|
+19.88% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 11% in tier |
| Delinquency Rate ? |
3.82%
-48.7% YoY
+27.9% QoQ
|
+3.18% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
69.25%
-5.6% YoY
-0.4% QoQ
|
-5.28% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
17.91%
+14.7% YoY
+6.3% QoQ
|
-4.48% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
33% |
| Nonperforming Asset Ratio ? |
6.34%
+3.4% YoY
+5.3% QoQ
|
+5.89% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
14.07%
-0.8% QoQ
|
+5.22% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.71%
+42.7% YoY
+5.9% QoQ
|
+0.15% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
83% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.82%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
6.34%
(Tier avg: 0.45%, National avg: 0.48%)
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
83
83th pctile
Non-Interest Income / Assets
Current: 0.71% · Tier avg: 0.56%
68
68th pctile
Tier 1 Capital Ratio
Current: 14.07% · Tier avg: 8.85%
63
63th pctile
Loan-to-Deposit Ratio
Current: 69.25% · Tier avg: 74.53%
62
62th pctile
Net Interest Margin
Current: 4.07% · Tier avg: 3.85%
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 17.91% · Tier avg: 22.39%
22
22th pctile
Total Loans
Current: $53.0M · Tier avg: $139.2M
20
20th pctile
Total Deposits
Current: $76.5M · Tier avg: $183.7M
17
17th pctile
Total Assets
Current: $83.3M · Tier avg: $217.5M
11
11th pctile
Efficiency Ratio
Current: 87.61% · Tier avg: 67.73%
11
11th pctile
Return on Assets
Current: 0.23% · Tier avg: 1.08%
0
0th pctile
Delinquency Rate
Current: 3.82% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 6.34% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 6.34% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 3.82% · Tier avg: 0.64%
11
11th pctile
Return on Assets
Current: 0.23% · Tier avg: 1.08%
11
11th pctile
Efficiency Ratio
Current: 87.61% · Tier avg: 67.73%
17
17th pctile
Total Assets
Current: $83.3M · Tier avg: $217.5M
20
20th pctile
Total Deposits
Current: $76.5M · Tier avg: $183.7M
22
22th pctile
Total Loans
Current: $53.0M · Tier avg: $139.2M
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 17.91% · Tier avg: 22.39%
62
62th pctile
Net Interest Margin
Current: 4.07% · Tier avg: 3.85%
63
63th pctile
Loan-to-Deposit Ratio
Current: 69.25% · Tier avg: 74.53%
68
68th pctile
Tier 1 Capital Ratio
Current: 14.07% · Tier avg: 8.85%
83
83th pctile
Non-Interest Income / Assets
Current: 0.71% · Tier avg: 0.56%