Headquartered in Fresno, California, Murphy Bank is a state-chartered bank with $357.2M in total assets and $296.9M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1984.
Based on its Q2 2026 filing, Murphy Bank scores 88/100, which we describe as very strong. That is higher than 92% of 2,650 banks with $100 million – $1 billion. Among 116 banks headquartered in California, it ranks 8th. Its strongest component is earnings (100/100; 2.46%), and its lowest is funding & liquidity (49/100; 101% loans-to-deposits, 24% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (87 → 88).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 83 |
| Q3 2024 | 84 |
| Q4 2024 | 85 |
| Q1 2025 | 85 |
| Q2 2025 | 87 |
| Q3 2025 | 89 |
| Q4 2025 | 87 |
| Q1 2026 | 88 |
| Q2 2026 | 88 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.43% |
| Q3 2024 | 13.78% |
| Q4 2024 | 13.99% |
| Q1 2025 | 14.50% |
| Q2 2025 | 14.56% |
| Q3 2025 | 14.81% |
| Q4 2025 | 14.81% |
| Q1 2026 | 14.59% |
| Q2 2026 | 14.89% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.09% |
| Q3 2024 | 0.11% |
| Q4 2024 | 0.11% |
| Q1 2025 | 0.41% |
| Q2 2025 | 0.33% |
| Q3 2025 | 0.34% |
| Q4 2025 | 0.51% |
| Q1 2026 | 0.36% |
| Q2 2026 | 0.39% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.42% |
| Q3 2024 | 1.48% |
| Q4 2024 | 1.51% |
| Q1 2025 | 1.72% |
| Q2 2025 | 1.83% |
| Q3 2025 | 1.99% |
| Q4 2025 | 1.98% |
| Q1 2026 | 2.29% |
| Q2 2026 | 2.46% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 88 | $357.2M | 14.89% | 0.39% | 2.46% | 101.3% |
| Q1 2026 | 88 | $359.6M | 14.59% | 0.36% | 2.29% | 99.7% |
| Q4 2025 | 87 | $365.3M | 14.81% | 0.51% | 1.98% | 99.4% |
| Q3 2025 | 89 | $360.8M | 14.81% | 0.34% | 1.99% | 102.1% |
| Q2 2025 | 87 | $358.5M | 14.56% | 0.33% | 1.83% | 102.1% |
| Q1 2025 | 85 | $352.0M | 14.50% | 0.41% | 1.72% | 103.6% |
| Q4 2024 | 85 | $356.4M | 13.99% | 0.11% | 1.51% | 102.5% |
| Q3 2024 | 84 | $364.5M | 13.78% | 0.11% | 1.48% | 100.9% |
| Q2 2024 | 83 | $364.5M | 13.43% | 0.09% | 1.42% | 101.8% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Infinity BankBank Santa Ana, CA | 70 out of 100, Strong | $359.5M | 13.0% | 0.95% | vs |
| Genesis BankBank Newport Beach, CA | 58 out of 100, Moderate | $340.3M | 11.0% | 0.04% | vs |
| American Continental BankBank City Of Industry, CA | 87 out of 100, Very strong | $385.3M | 16.2% | 0.37% | vs |
| Universal BankBank West Covina, CA | 54 out of 100, Below average | $388.0M | 17.8% | 3.74% | vs |
| Balboa Thrift and Loan AssociationBank Chula Vista, CA | 48 out of 100, Below average | $394.5M | 10.6% | 1.14% | vs |
| Community Bank of Santa MariaBank Santa Maria, CA | 72 out of 100, Strong | $396.5M | 10.5% | 0.15% | vs |
Deposit insurance
Is my money safe at Murphy Bank?
Yes. Murphy Bank is an FDIC-insured institution (FDIC certificate #25726). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 23.6% of deposits ($70.0M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.89%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
Murphy Bank lists 2 offices in 2 cities. Most locations:
- Fresno, CA (1)
- San Luis Obispo, CA (1)
Identity & history
Profile
- Legal name
- Murphy Bank
- Former names
- Sierra Thrift
- Type
- State-chartered bank
- FDIC certificate #
- 25726
- RSSD ID
- 855563
- Primary regulator
- FDIC
- Established
- February 1, 1984
- Headquarters
- 5180 N Palm Ave, Fresno, CA 93704
- Website
- www.murphybank.com
- Employees
- 35
Quick answers
Murphy Bank: common questions
Is Murphy Bank FDIC insured?
Yes. Murphy Bank is an FDIC-insured institution (FDIC certificate #25726). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Murphy Bank's TellerScore?
88 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Murphy Bank ever failed?
There is no failure record for FDIC certificate #25726 in the FDIC failed bank list.
How many branches does Murphy Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Fresno
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Fresno Grangers Federal Credit UnionCredit union Fresno, CA | 98 out of 100, Very strong | $25.9M | 24.6% | 0.00% | vs |
| Educational Employees Credit UnionCredit union Fresno, CA | 96 out of 100, Very strong | $5.4B | 14.6% | 0.20% | vs |
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| Fresno Police Department Credit UnionCredit union Fresno, CA | 89 out of 100, Very strong | $49.5M | 23.3% | 0.06% | vs |
| Central Valley Firefighters Credit UnionCredit union Fresno, CA | 87 out of 100, Very strong | $49.5M | 13.7% | 0.42% | vs |
| Greater Valley Credit UnionCredit union Fresno, CA | 87 out of 100, Very strong | $34.4M | 14.4% | 0.00% | vs |