TellerScore

Murphy-Wall State Bank and Trust Company (FDIC certificate #10860) is based in Pinckneyville, Illinois. Its Q2 2026 call report shows $206.1M in total assets and $183.8M in deposits and 6 offices.

Murphy-Wall State Bank and Trust Company has a TellerScore of 60 out of 100 (moderate) based on Q2 2026 data — higher than only 19% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 253rd. Problem-loan coverage contributes the most (78/100, 10.9%); loan quality contributes the least (44/100, 1.67%).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Tier 1 leverage ratio: 11.01%
Loan quality44/100
Noncurrent loans ÷ total loans: 1.67%
Earnings62/100
Return on assets (annualized): 1.05%
Funding & liquidity72/100
Loans ÷ deposits and uninsured-deposit share: 74.1% · 27.7% uninsured
Problem-loan coverage78/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 10.94%

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

From Q2 2025 to Q2 2026, the score rose 12 points (48 → 60), mostly because the loan quality component improved by 44 points.

TellerScore
485969Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202461
Q4 202459
Q1 202569
Q2 202548
Q3 202548
Q4 202548
Q1 202659
Q2 202660
Tier 1 leverage ratio
5.00%8.24%11.48%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.97%
Q3 202411.04%
Q4 202410.86%
Q1 202511.48%
Q2 202511.37%
Q3 202511.39%
Q4 202510.64%
Q1 202610.71%
Q2 202611.01%
Noncurrent loans
1.06%2.70%4.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.48%
Q3 20241.47%
Q4 20241.58%
Q1 20251.06%
Q2 20254.34%
Q3 20253.94%
Q4 20252.06%
Q1 20261.67%
Q2 20261.67%
Return on assets
0.02%0.54%1.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.84%
Q3 20240.76%
Q4 20240.79%
Q1 20251.00%
Q2 20250.90%
Q3 20250.92%
Q4 20250.02%
Q1 20260.95%
Q2 20261.05%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$206.1M11.01%1.67%1.05%74.1%
Q1 202659$207.7M10.71%1.67%0.95%70.7%
Q4 202548$210.4M10.64%2.06%0.02%68.5%
Q3 202548$202.7M11.39%3.94%0.92%69.9%
Q2 202548$201.2M11.37%4.34%0.90%67.8%
Q1 202569$203.1M11.48%1.06%1.00%67.2%
Q4 202459$182.5M10.86%1.58%0.79%69.2%
Q3 202461$178.9M11.04%1.47%0.76%68.7%
Q2 202462$178.2M10.97%1.48%0.84%68.4%

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).

Capital ratio11.01%
51st
Total risk-based capital0.00%
24th
Problem loans1.67%
16th
Net charge-offs0.00%
57th
Return on assets1.05%
37th
Net interest margin4.54%
81st
Efficiency ratio70.1%
30th
Loans to deposits74.1%
62nd
Uninsured deposits27.7%
36th
Loan-loss reserves1.15%
45th
Texas ratio10.9%
16th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
FWBankBank Chicago, IL75 out of 100, Strong$206.7M12.5%0.12%vs
Spring Valley City BankBank Spring Valley, IL84 out of 100, Strong$207.0M13.9%0.18%vs
First FSB of MascoutahBank Mascoutah, IL52 out of 100, Below average$207.3M10.5%2.12%vs
Peru Federal Savings BankBank Peru, IL87 out of 100, Very strong$208.5M16.4%0.28%vs
Scott State BankBank Bethany, IL86 out of 100, Very strong$203.5M13.7%0.24%vs
The Farmers State Bank and Trust CompanyBank Jacksonville, IL66 out of 100, Moderate$210.1M13.8%2.22%vs

Deposit insurance

Is my money safe at Murphy-Wall State Bank and Trust Company?

Yes. Murphy-Wall State Bank and Trust Company is an FDIC-insured institution (FDIC certificate #10860). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.7% of deposits ($51.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.01%, 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%).

Check how much of your own balance is covered

6 locations

Branches

Murphy-Wall State Bank and Trust Company lists 6 offices in 6 cities. Most locations:

  • Carterville, IL (1)
  • Elkville, IL (1)
  • Marion, IL (1)
  • Murphysboro, IL (1)
  • Oakdale, IL (1)
  • Pinckneyville, IL (1)

All branch addresses and map

Identity & history

Profile

Legal name
Murphy-Wall State Bank and Trust Company
Type
State-chartered bank
FDIC certificate #
10860
RSSD ID
478140
Primary regulator
FDIC
Holding company
Murphy-Wall Bcorp Inc
Established
November 1, 1874
Headquarters
105 E Water St, Pinckneyville, IL 62274
Employees
58

Quick answers

Murphy-Wall State Bank and Trust Company: common questions

Is Murphy-Wall State Bank and Trust Company FDIC insured?

Yes. Murphy-Wall State Bank and Trust Company is an FDIC-insured institution (FDIC certificate #10860). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Murphy-Wall State Bank and Trust Company's TellerScore?

60 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Murphy-Wall State Bank and Trust Company ever failed?

There is no failure record for FDIC certificate #10860 in the FDIC failed bank list.

How many branches does Murphy-Wall State Bank and Trust Company have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Pinckneyville

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank of SteelevilleBank Steeleville, IL90 out of 100, Very strong$274.5M13.5%0.44%vs
The First National Bank of AvaBank Ava, IL84 out of 100, Strong$78.3M12.8%0.07%vs
The First National Bank of SpartaBank Sparta, IL84 out of 100, Strong$114.6M12.6%0.56%vs
Nashville Savings BankBank Nashville, IL84 out of 100, Strong$107.9M12.9%0.00%vs
Du Quoin State BankBank Du Quoin, IL78 out of 100, Strong$148.2M10.8%0.00%vs
The Farmers and Merchants National Bank of NashvilleBank Nashville, IL78 out of 100, Strong$270.3M11.6%0.61%vs