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Murphy Bank
Fresno, CA · FDIC Certificate #25726 · Chartered 02/0
Total assets
$357.18M
Total deposits
$296.93M
Total equity
$53.26M
Net loans
$300.77M
Branches (offices)
2
Net income (YTD)
$4.44M
Rank: #2,217 of 4,213 U.S. banks by assets · #90 of 115 in California. Assets changed -0.4% and deposits 0.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.46% |
| Return on equity | 16.74% |
| Net interest margin (YTD) | 5.05% |
| Equity to assets | 14.91% |
| Tier 1 leverage ratio | 14.89% |
| Uninsured deposits (share of deposits) | 23.6% |
| Noncurrent loans (share of loans) | 0.39% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 101.3% |
| Real estate loans (share of loans) | 22.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $68.90M | 22.9% | |
| Commercial & industrial | $69.16M | 23.0% | |
| Consumer / individual | $91.42M | 30.4% | |
| Construction & development | $3.26M | 1.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $361.05M | $316.85M | $4.84M | $43.32M |
| Jun 2023 | $377.70M | $310.40M | $3.56M | $47.21M |
| Jun 2024 | $364.46M | $300.56M | $2.62M | $49.45M |
| Jun 2025 | $358.47M | $295.42M | $3.25M | $51.87M |
| Jun 2026 | $357.18M | $296.93M | $4.44M | $53.26M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $296.93M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $296.93M.
Similar-sized banks
Citizens Bank ($357.45M) · Flint Community Bank ($357.11M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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