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Murphy-Wall State Bank And Trust Company
Pinckneyville, IL · FDIC Certificate #10860 · Chartered 11/0
Total assets
$206.12M
Total deposits
$183.79M
Total equity
$21.15M
Net loans
$136.15M
Branches (offices)
6
Net income (YTD)
$1.09M
Rank: #2,938 of 4,213 U.S. banks by assets · #192 of 322 in Illinois. Assets changed 2.5% and deposits 2.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.05% |
| Return on equity | 10.60% |
| Net interest margin (YTD) | 4.54% |
| Equity to assets | 10.26% |
| Tier 1 leverage ratio | 11.01% |
| Uninsured deposits (share of deposits) | 27.7% |
| Noncurrent loans (share of loans) | 1.67% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 74.1% |
| Real estate loans (share of loans) | 83.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $113.47M | 83.3% | |
| Commercial & industrial | $14.38M | 10.6% | |
| Consumer / individual | $5.27M | 3.9% | |
| Construction & development | $10.45M | 7.7% | |
| Agricultural | $3.10M | 2.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $163.30M | $149.72M | $627.00K | $12.70M |
| Jun 2023 | $169.47M | $154.97M | $775.00K | $13.59M |
| Jun 2024 | $178.16M | $161.88M | $754.00K | $15.22M |
| Jun 2025 | $201.15M | $180.04M | $884.00K | $20.36M |
| Jun 2026 | $206.12M | $183.79M | $1.09M | $21.15M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $183.79M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $183.79M.
Similar-sized banks
Union State Bank ($206.18M) · Badger Bank ($206.03M)
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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