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105 East Water Street
Pinckneyville, IL 62274

Murphy-Wall State Bank & Trust is headquartered in Pinckneyville and is the 302nd largest bank in the state of Illinois. It is also the 4,313st largest bank in the nation. It was established in 1874 and as of June of 2014, it had grown to 40 employees at 3 locations. Murphy-Wall State Bank & Trust has a A health rating.

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Data for Q2 2014

Institution Health


Texas Ratio


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 June 30, 2014 Murphy-Wall State Bank & Trust had $1.28 million in non-current loans and owned real-estate with $16.15 million in equity and loan loss allowances on hand to cover it. This gives Murphy-Wall State Bank & Trust a Texas Ratio of 7.95% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Murphy-Wall State Bank & Trust decreased dramatically from 14.30% as of June 30, 2013 to 7.95% as of June 30, 2014, resulting in a positive change of 44.40%.This indicates that the balance sheet and financial strength for Murphy-Wall State Bank & Trust has improved dramatically in recent periods.

Deposit Growth


In the past year, Murphy-Wall State Bank & Trust has decreased its total deposits by -$6.11 million, resulting in -5.82% 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-Wall State Bank & Trust has shown is below average.



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-Wall State Bank & Trust has $116.66 million in assets with $16.15 million in equity, resulting in a capitalization level of 13.84%, which is excellent.

Institution Statistics

FDIC Certificate #10860
Year Established1874
Primary RegulatorFDIC
Assets and Liabilities
Assets$116.66 million
Loans$52.81 million
Deposits$98.92 million
Equity Capital$15.11 million
Loan Loss Allowance$1.04 million
Unbacked Noncurrent Loans$427,000
Real Estate Owned$857,000
Historic Data - June 2013
Assets$120.10 million
Equity Capital$14.45 million
Loan Loss Allowance$992,000
Unbacked Noncurrent Loans$427,000
Real Estate Owned$808,000
Profit Margin - Quarterly
Return on Assets0.76%
Return on Equity6.12%
Interest Income$2.16 million

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Murphy-Wall State Bank & Trust Savings Account Rates

0.50%-$50kKasasa Saver - Qualifying
0.25%$50-Passbook Savings
0.25%$50-Personal IRA Savings
0.25%$250-Roth IRA Savings
0.15%$50-Statement Savings
0.15%--Christmas Club
0.05%--Kasasa Saver - Non Qualifying

Murphy-Wall State Bank & Trust Money Market Rates

0.20%$25k-Money Market Deposit Account

Murphy-Wall State Bank & Trust Checking Account Rates

1.00%-$10kKasasa Cash - Qualifying
0.35%$1k-Senior Gold Checking Account
0.05%--Kasasa Cash - Non Qualifying
0.05%$500-Now Account

Murphy-Wall State Bank & Trust CD Rates

1.00%$1k-60 Month CD
0.85%$1k-48 Month CD
0.60%$1k-36 Month CD
0.45%$1k-30 Month CD
0.40%$1k-24 Month CD
0.25%$1k-18 Month CD
0.20%$1k-12 Month CD
0.15%$1k-6 Month CD
0.10%$1k-3 Month CD

Murphy-Wall State Bank & Trust IRA Rates

1.00%$1k-60 Month IRA
0.85%$1k-48 Month IRA
0.60%$1k-36 Month IRA
0.45%$1k-30 Month IRA
0.40%$1k-24 Month IRA
0.25%$1k-18 Month IRA
0.20%$1k-12 Month IRA
0.15%$1k-6 Month IRA
0.10%$1k-3 Month IRA

Murphy-Wall State Bank & Trust Locations
Murphy-Wall State Bank and Trust Company105 East Water StreetPinckneyville, IL 62274
Murphysboro Branch105 Williams StreetMurphysboro, IL 62966
Elkville Branch110 S 4th StElkville, IL 62932