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Overview / Commentary
559-225-0225
5180 North Palm Avenue
Fresno, CA 93704

Murphy Bank is headquartered in Fresno and is the 166th largest bank in the state of California. It is also the 3,586th largest bank in the nation. It was established in 1984 and as of March of 2014, it had grown to 27 employees at 1 location. Murphy Bank has a A+ health rating.

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Health

Data for Q1 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Murphy Bank had $1.32 million in non-current loans and owned real-estate with $22.67 million in equity and loan loss allowances on hand to cover it. This gives Murphy Bank a Texas Ratio of 5.81% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Murphy Bank experienced no significant changes from 5.08% as of March 31, 2013 to 5.81% as of March 31, 2014, resulting in a negative change of 14.29%. This indicates that the balance sheet and financial strength for Murphy Bank has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Murphy Bank has increased its total deposits by $30.95 million, resulting in 29.33% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Murphy Bank has shown is excellent.

Capitalization

GRADE:
A+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Murphy Bank has $158.85 million in assets with $22.67 million in equity, resulting in a capitalization level of 14.27%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #25726
Year Established1984
Employees27
Primary RegulatorFDIC
Assets and Liabilities
Assets$158.85 million
Loans$139.52 million
Deposits$136.47 million
Equity Capital$21.25 million
Loan Loss Allowance$1.42 million
Unbacked Noncurrent Loans$1.32 million
Real Estate Owned$0
Historic Data - March 2013
Assets$126.08 million
Equity Capital$19.96 million
Loan Loss Allowance$1.26 million
Unbacked Noncurrent Loans$1.32 million
Real Estate Owned$190,000
Profit Margin - Quarterly
Net Interest Margin5.64%
Return on Assets2.25%
Return on Equity16.1%
Interest Income$2.26 million
Rates
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Murphy Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.50%$25k-Passbooks / Regular Savings Account

Murphy Bank CD Rates

DetailsAPYMINMAXPRODUCT
0.90%$10k-24 Month Jumbo CD
0.80%$1k$10k24 Month CD
0.80%$10k-12 Month Jumbo CD
0.70%$1k$10k12 Month CD
0.60%$10k-6 Month Jumbo CD
0.50%$10k-3 Month Jumbo CD
0.45%$1k$10k6 Month CD
0.40%$1k$10k3 Month CD
Locations


Murphy Bank Locations
Murphy Bank5180 North Palm AvenueFresno, CA 93704