FDIC Cert #10860 · Pinckneyville, Illinois · Est. 1874

Murphy-Wall State Bank and Trust Company - FDIC Bank Health Profile

A community-scale look at Murphy-Wall State Bank and Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$210M
Total assets
C
Health grade · Fair
0.02%
Return on assets
10.6%
Tier 1 capital

Data updated July 2026

The verdict

Murphy-Wall State Bank and Trust Company earns a PlainBankData health grade of C (55/100), with well-capitalized at 10.64% Tier 1, 0.02% ROA, 72% efficiency ratio.

#2,947
largest of 4,313 FDIC banks by assets
32nd
percentile by asset size, nationally
10.64%
Tier 1 ratio - above the 10% well-capitalized line
6th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 10860 · IL C · 55/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-C C (55/100)
  • BOTTOM-DECILE #4043/4307
  • PHOTO-FINISH Bank of Commerce & T… · LA
  • TIER1-WELL 10.6% Tier 1
  • TEXAS-CLEAN 12.3% Texas
  • ROA-THIN 0.02% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: Bank of Commerce & Trust Co., LA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Murphy-Wall State Bank and Trust Comp…

Lowest and highest poles plus nearest scored peers outside Illinois, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank Cmg · WI · near55/100Bank of Commerce & T… · LA ·…55/100Murphy-Wall State Ba… · IL ·…55/100The Hopeton State Bank · OK …55/100Union County Savings… · NJ ·…55/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Murphy-Wall State Bank and Trust Comp… · July 2026

Call Report read for Murphy-Wall State Bank and Trust Comp… in a high-failure state

Murphy-Wall State Bank and Trust Company (FDIC Cert #10860) carries a PlainBankData health grade of C at 55/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,043 of 4,307. Tier 1 capital prints at 10.64%, clearing the 10% well-capitalized line. The Texas Ratio is 12.33%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.02%. Balance-sheet scale is $210M, 2,947th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bank of Commerce & Trust Co. (LA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Murphy-Wall State Bank and Trust Comp…

71 FAILURE resolutions in Illinois since 2000, heavy vs the state corpus

Murphy-Wall State Bank and Trust Company sits in one of the heavier post-2000 FAILURE states (71 resolutions; latest year 2026). The list below is state history from the Failed Bank List, not a claim about Murphy-Wall State Bank and Trust Company's current Call Report.

  • METROPOLITAN CAPITAL B&T CHICAGO, IL 2026 → FIRST INDEPENDENCE BANK
  • PULASKI SAVINGS BANK CHICAGO, IL 2025 → MILLENNIUM BANK
  • FAYETTE COUNTY BANK SAINT ELMO, IL 2017 → UNITED FIDELITY BANK, FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Illinois banks.

How Murphy-Wall State Bank and Trust Company's 55/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10055/100
Murphy-Wall State Bank and Trust Company's composite health score
Tier 1 Capital Ratio (10.64%) 28/40
Return on Assets (ROA) (0.02%) 7/25
Texas Ratio (12.33%) 16/20
Efficiency Ratio (72.10%) 4/15

55 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$210M

Total balance-sheet footings

Total Deposits

$189M

Customer-funded liabilities

Net Loans

$130M

Outstanding loan book

Net Income

$41K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.24% 10.64% 12.04%
Basel III capital ratios - Murphy-Wall State Bank and Trust Company

Where Murphy-Wall State Bank and Trust Company ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Murphy-Wall State Bank and Trust Company's score of 55/100 falls in the highlighted band.

Murphy-Wall State Bank and Trust Company: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

55 6th percentile higher than 6% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Murphy-Wall State Bank and Trust Comp… 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Murphy-Wall State Bank and Trust Company's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Murphy-Wall State Bank and Trust Company's $210M falls in the highlighted band.

Capital & credit buffers at Murphy-Wall State Bank and Trust Comp…

Tier 1 capital ratio
Well-capitalized 10%

10.64% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.64%
Texas Ratio
12.33%
Equity Capital
$20M

What these ratios mean →

Profitability metrics: Murphy-Wall State Bank and Trust Comp…

Return on Assets (ROA)
6th percentile nationally
0.02%
Return on Equity (ROE)
0.20%
Efficiency Ratio
72.10%

What these mean →

Income & expense at Murphy-Wall State Bank and Trust Comp…

$10M
Interest Income
$1M
Non-Interest Income
$7M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Murphy-Wall State Bank and Trust Company reports a Texas Ratio of 12.33% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

12.33% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Murphy-Wall State Bank and Trust Company on FDIC BankFind →

Top banks in Illinois by total assets

Largest banks headquartered in Illinois
  1. 1
    BMO Bank $252.1B

    Chicago, IL · Grade A

  2. 2
    The Northern Trust Company $176.4B

    Chicago, IL · Grade B

  3. 3
    CIBC Bank USA $64.0B

    Chicago, IL · Grade A

  4. 4
    Busey Bank $18.1B

    Champaign, IL · Grade A

  5. 5
    Byline Bank $9.6B

    Chicago, IL · Grade A

Top 5 banks in Illinois ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($210M here), outside Illinois so the neighborhood is not state containment.

The Farmers and Merchants Bank $210M · IN PrinsBank $210M · MN BankSouth $211M · AL Houghton State Bank $210M · IA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Murphy-Wall State Bank and Trust Company (FDIC Cert #10860) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Murphy-Wall State Bank and Trust Company Call Report profile · FDIC Failed Bank List · Illinois FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Illinois

All Illinois banks →
BankAssetsGradeROA
BMO Bank National AssociationChicago $252.1B A 0.95%
The Northern Trust CompanyChicago $176.4B B 1.02%
CIBC Bank USAChicago $64.0B A 1.47%
Busey BankChampaign $18.1B A 0.92%
Byline BankChicago $9.6B A 1.47%
Wintrust Bank, National AssociationChicago $9.6B A 1.88%
Lake Forest Bank & Trust Company, National AssociationLake Forest $9.4B A 2.20%
First American BankElk Grove Village $8.1B A 1.72%