Murphy-Wall State Bank and Trust Company: how it compares with its peers
Against 143 IL banks with half to twice its assets, Murphy-Wall State Bank and Trust Company's strongest measure in Q2 2026 is net interest margin (4.54% vs. a 3.73% peer median). Its weakest relative measure is assets per employee ($3.6M vs. $6.5M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.05% | 1.18% | Middle third Ahead of 41% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.54% | 3.73% | Top third Ahead of 86% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 70.05% | 64.64% | Bottom third Ahead of 29% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.6M | $6.5M | Bottom third Ahead of 4% of peers |
| Loans to deposits Net loans and leases over total deposits. | 74.08% | 74.23% | Context |
What it means for lending operations
Its efficiency ratio of 70.05% is above the 64.64% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- FWBank Chicago, IL · $207M
- Spring Valley City Bank Spring Valley, IL · $207M
- First FSB of Mascoutah Mascoutah, IL · $207M
- Peru Federal Savings Bank Peru, IL · $208M
- Scott State Bank Bethany, IL · $204M
- The Farmers State Bank and Trust Company Jacksonville, IL · $210M
Questions about Murphy-Wall State Bank and Trust Company
How big is Murphy-Wall State Bank and Trust Company?
Murphy-Wall State Bank and Trust Company, established in 1874, is headquartered in Pinckneyville, IL. It reported $206M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Murphy-Wall State Bank and Trust Company's return on assets?
1.05% annualized in Q2 2026, against a 1.18% median for 143 IL banks with half to twice its assets, ahead of 41% of them.
What is Murphy-Wall State Bank and Trust Company's efficiency ratio?
70.05% in Q2 2026: it spent about 70 cents in noninterest expense for each dollar of revenue. The peer median is 64.64%, and lower is better.
Is Murphy-Wall State Bank and Trust Company growing its loans?
Net loans grew 11.5% over the year to Q2 2026, while deposits grew 2.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.