The First Bank and Trust Company of Murphysboro: how it compares with its peers
Against 83 IL banks with half to twice its assets, The First Bank and Trust Company of Murphysboro's strongest measure in Q2 2026 is net interest margin (4.00% vs. a 3.73% peer median). Its weakest relative measure is efficiency ratio (91.77% vs. 66.20%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.27% | 1.07% | Bottom third Ahead of 14% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.00% | 3.73% | Middle third Ahead of 65% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 91.77% | 66.20% | Bottom third Ahead of 10% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.4M | $6.1M | Bottom third Ahead of 10% of peers |
| Loans to deposits Net loans and leases over total deposits. | 66.03% | 64.06% | Context |
What it means for lending operations
Its efficiency ratio of 91.77% is above the 66.20% 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
- The Bank of Bourbonnais Bourbonnais, IL · $82M
- The Atlanta National Bank Atlanta, IL · $81M
- Villa Grove State Bank Villa Grove, IL · $86M
- Kinmundy Bank Kinmundy, IL · $80M
- Farmers and Merchants State Bank of Bushnell Bushnell, IL · $86M
- Beardstown Savings s.b. Beardstown, IL · $79M
Questions about The First Bank and Trust Company of Murphysboro
How big is The First Bank and Trust Company of Murphysboro?
The First Bank and Trust Company of Murphysboro, established in 1889, is headquartered in Murphysboro, IL. It reported $83M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The First Bank and Trust Company of Murphysboro's return on assets?
0.27% annualized in Q2 2026, against a 1.07% median for 83 IL banks with half to twice its assets, ahead of 14% of them.
What is The First Bank and Trust Company of Murphysboro's efficiency ratio?
91.77% in Q2 2026: it spent about 92 cents in noninterest expense for each dollar of revenue. The peer median is 66.20%, and lower is better.
Is The First Bank and Trust Company of Murphysboro growing its loans?
Net loans shrank 6.0% over the year to Q2 2026, while deposits shrank 3.3%.
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.