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The Murray Bank
Murray, KY · FDIC Certificate #35161 · Chartered 06/1
Total assets
$534.15M
Total deposits
$476.73M
Total equity
$48.40M
Net loans
$403.24M
Branches (offices)
3
Net income (YTD)
$4.95M
Rank: #1,707 of 4,213 U.S. banks by assets · #35 of 120 in Kentucky. Assets changed 0.7% and deposits 0.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.82% |
| Return on equity | 21.32% |
| Net interest margin (YTD) | 3.73% |
| Equity to assets | 9.06% |
| Tier 1 leverage ratio | 9.96% |
| Uninsured deposits (share of deposits) | 17.8% |
| Noncurrent loans (share of loans) | 1.95% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 84.6% |
| Real estate loans (share of loans) | 74.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $298.23M | 74.0% | |
| Commercial & industrial | $67.86M | 16.8% | |
| Consumer / individual | $10.62M | 2.6% | |
| Construction & development | $24.77M | 6.1% | |
| Agricultural | $31.57M | 7.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $439.04M | $410.89M | $2.66M | $24.86M |
| Jun 2023 | $459.95M | $411.55M | $2.35M | $28.36M |
| Jun 2024 | $496.91M | $443.05M | $2.47M | $33.56M |
| Jun 2025 | $530.54M | $473.91M | $4.22M | $41.03M |
| Jun 2026 | $534.15M | $476.73M | $4.95M | $48.40M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $476.73M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $476.73M.
Similar-sized banks
Shoreham Bank ($534.75M) · Bank Of Lake Mills ($533.75M)
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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