Headquartered in Murphysboro, Illinois, The First Bank and Trust Company of Murphysboro is a state-chartered bank with $83.1M in total assets and $76.1M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1889.
Based on its Q2 2026 filing, The First Bank and Trust Company of Murphysboro scores 33/100, which we describe as low. That is higher than only 2% of 546 banks with under $100 million in assets. Among 326 banks headquartered in Illinois, it ranks 320th. Its strongest component is funding & liquidity (94/100; 66% loans-to-deposits, 10% uninsured), and its lowest is problem-loan coverage (0/100; 66.7%).
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
From Q2 2025 to Q2 2026, the score rose 3 points (30 → 33), mostly because the earnings component improved by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 30 |
| Q3 2024 | 29 |
| Q4 2024 | 26 |
| Q1 2025 | 31 |
| Q2 2025 | 30 |
| Q3 2025 | 33 |
| Q4 2025 | 32 |
| Q1 2026 | 35 |
| Q2 2026 | 33 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.98% |
| Q3 2024 | 9.12% |
| Q4 2024 | 8.89% |
| Q1 2025 | 8.86% |
| Q2 2025 | 8.90% |
| Q3 2025 | 9.18% |
| Q4 2025 | 9.27% |
| Q1 2026 | 9.46% |
| Q2 2026 | 9.35% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 6.82% |
| Q3 2024 | 7.39% |
| Q4 2024 | 7.25% |
| Q1 2025 | 6.87% |
| Q2 2025 | 3.04% |
| Q3 2025 | 2.94% |
| Q4 2025 | 3.77% |
| Q1 2026 | 3.66% |
| Q2 2026 | 3.39% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.08% |
| Q3 2024 | -0.04% |
| Q4 2024 | -0.37% |
| Q1 2025 | 0.17% |
| Q2 2025 | 0.05% |
| Q3 2025 | 0.26% |
| Q4 2025 | 0.23% |
| Q1 2026 | 0.48% |
| Q2 2026 | 0.27% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 33 | $83.1M | 9.35% | 3.39% | 0.27% | 66.0% |
| Q1 2026 | 35 | $82.7M | 9.46% | 3.66% | 0.48% | 68.7% |
| Q4 2025 | 32 | $83.3M | 9.27% | 3.77% | 0.23% | 69.2% |
| Q3 2025 | 33 | $82.7M | 9.18% | 2.94% | 0.26% | 69.6% |
| Q2 2025 | 30 | $85.0M | 8.90% | 3.04% | 0.05% | 67.9% |
| Q1 2025 | 31 | $86.8M | 8.86% | 6.87% | 0.17% | 69.4% |
| Q4 2024 | 26 | $83.2M | 8.89% | 7.25% | -0.37% | 73.4% |
| Q3 2024 | 29 | $88.1M | 9.12% | 7.39% | -0.04% | 70.2% |
| Q2 2024 | 30 | $90.8M | 8.98% | 6.82% | 0.08% | 68.9% |
546 peers · Under $100 million in assets
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 Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of BourbonnaisBank Bourbonnais, IL | 77 out of 100, Strong | $81.6M | 11.9% | 0.00% | vs |
| The Atlanta National BankBank Atlanta, IL | 69 out of 100, Moderate | $81.3M | 11.6% | 1.00% | vs |
| Villa Grove State BankBank Villa Grove, IL | 86 out of 100, Very strong | $85.9M | 12.2% | 0.00% | vs |
| Kinmundy BankBank Kinmundy, IL | 85 out of 100, Very strong | $80.1M | 13.0% | 0.67% | vs |
| Farmers and Merchants State Bank of BushnellBank Bushnell, IL | 83 out of 100, Strong | $86.5M | 10.5% | 0.00% | vs |
| Beardstown Savings s.b.Bank Beardstown, IL | 64 out of 100, Moderate | $79.5M | 10.5% | 1.15% | vs |
Deposit insurance
Is my money safe at The First Bank and Trust Company of Murphysboro?
Yes. The First Bank and Trust Company of Murphysboro is an FDIC-insured institution (FDIC certificate #3818). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 9.7% of deposits ($7.4M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.35%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.03% (benchmark: 10%).
1 location
Branches
The First Bank and Trust Company of Murphysboro lists 1 office in 1 city. Most locations:
- Murphysboro, IL (1)
Identity & history
Profile
- Legal name
- The First Bank and Trust Company of Murphysboro
- Former names
- The First National Bank of Murphysboro
- Type
- State-chartered bank
- FDIC certificate #
- 3818
- RSSD ID
- 303747
- Primary regulator
- FDIC
- Holding company
- First of Murphysboro Corp
- Established
- January 1, 1889
- Headquarters
- 1403 Walnut St, Murphysboro, IL 62966
- Website
- www.fb-t.com
- Employees
- 19
Quick answers
The First Bank and Trust Company of Murphysboro: common questions
Is The First Bank and Trust Company of Murphysboro FDIC insured?
Yes. The First Bank and Trust Company of Murphysboro is an FDIC-insured institution (FDIC certificate #3818). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First Bank and Trust Company of Murphysboro's TellerScore?
33 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The First Bank and Trust Company of Murphysboro ever failed?
There is no failure record for FDIC certificate #3818 in the FDIC failed bank list.
How many branches does The First Bank and Trust Company of Murphysboro have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Murphysboro
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Carbondale Highway Credit UnionCredit union Carbondale, IL | 90 out of 100, Very strong | $5.6M | 15.6% | 0.00% | vs |
| First National Bank of SteelevilleBank Steeleville, IL | 90 out of 100, Very strong | $274.5M | 13.5% | 0.44% | vs |
| The First National Bank of AvaBank Ava, IL | 84 out of 100, Strong | $78.3M | 12.8% | 0.07% | vs |
| Du Quoin State BankBank Du Quoin, IL | 78 out of 100, Strong | $148.2M | 10.8% | 0.00% | vs |
| First State Bank of Campbell HillBank Campbell Hill, IL | 76 out of 100, Strong | $160.1M | 13.8% | 1.59% | vs |
| Siu Credit UnionCredit union Carbondale, IL | 72 out of 100, Strong | $591.3M | 11.6% | 0.90% | vs |