Side-by-side · Q2 2026 data
The First National Bank of Sparta vs Murphy-Wall State Bank and Trust Company
Bank
Murphy-Wall State Bank and Trust Company
Pinckneyville, Illinois · $100 million – $1 billion
Metric by metric
| Measure | The First National Bank of Sparta | Murphy-Wall State Bank and Trust Company |
|---|---|---|
| TellerScore | 84 (stronger) | 60 |
| Capital cushion | 76 (stronger) | 60 |
| Loan quality | 81 (stronger) | 44 |
| Earnings | 98 (stronger) | 62 |
| Funding & liquidity | 81 (stronger) | 72 |
| Problem-loan coverage | 96 (stronger) | 78 |
| Peer percentile | 86th | 19th |
| Total assets | $114.6M | $206.1M |
| Deposits / shares | $101.1M | $183.8M |
| Capital ratio | 12.64% (stronger) | 11.01% |
| Problem loans | 0.56% (stronger) | 1.67% |
| Net charge-offs | 0.15% | 0.00% (stronger) |
| Return on assets | 1.95% (stronger) | 1.05% |
| Loans ÷ deposits | 48.7% (stronger) | 74.1% |
| Uninsured deposits | 32.4% | 27.7% (stronger) |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank of Sparta has the higher TellerScore (84 vs 60). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Sparta leads on 5 and Murphy-Wall State Bank and Trust Company on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.