Total Assets
$210M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$189M
Customer-funded liabilities
Net Loans
$130M
Outstanding loan book
Net Income
$41K
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
6th percentile nationally
0.02%
Return on Equity (ROE)
0.20%
Efficiency Ratio
72.10%
What the numbers say about Murphy-Wall State Bank and Trust Company
Murphy-Wall State Bank and Trust Company is an FDIC-insured institution (Certificate #10860) headquartered in Pinckneyville, Illinois, established in 1874. It holds $210M in total assets - 2,947th of 4,313 FDIC-insured banks, $189M in customer deposits, and $130M in net loans. On safety, its Tier 1 capital ratio of 10.64% is above the 10% well-capitalized threshold, and its Texas Ratio of 12.33% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (55/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Illinois, Murphy-Wall State Bank and Trust Company ranks 189th of 330 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in Illinois by total assets
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.
Other banks in Illinois
All Illinois banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Murphy-Wall State Bank and Trust Company's health grade?▼
Murphy-Wall State Bank and Trust Company receives a health grade of C (55/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Murphy-Wall State Bank and Trust Company?▼
Murphy-Wall State Bank and Trust Company holds $210M in total assets and $189M in deposits, ranking 2,947th of 4,313 FDIC-insured banks by asset size. It is headquartered in Pinckneyville, Illinois.
Is my money safe at Murphy-Wall State Bank and Trust Company?▼
Yes, deposits at Murphy-Wall State Bank and Trust Company (Certificate #10860) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Murphy-Wall State Bank and Trust Company's Tier 1 Capital Ratio?▼
Murphy-Wall State Bank and Trust Company has a Tier 1 Capital Ratio of 10.64%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Murphy-Wall State Bank and Trust Company?▼
Murphy-Wall State Bank and Trust Company has a Texas Ratio of 12.33%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Murphy-Wall State Bank and Trust Company?▼
Murphy-Wall State Bank and Trust Company has an Efficiency Ratio of 72.10%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Murphy-Wall State Bank and Trust Company's profile as a depositor or analyst.
- Murphy-Wall State Bank and Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Murphy-Wall State Bank and Trust Company against other Illinois banks before moving funds. Illinois banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.