The Murray Bank
Murray, KY
IDRSSD: 2819242
Total Assets
$539.25M
Latest filing
Total Deposits
$479.14M
Latest filing
Net Interest Margin
3.67%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The Murray Bank
405 S 12th St
Murray, KY 42071
Full Service - Brick and Mortar
Updated 11/14/2025Established 06/15/1999FDIC Certificate 75632
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Murray Bank (Main) | 405 S 12th St | Murray, KY |
| 700 B NORTH 12TH STREET BRANCH | 700 B North 12th Street | Murray, KY |
| THE MURRAY BANK HAZEL BRANCH | 405 Main St | Hazel, KY |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 06/15/1999 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 42071 |
| State and County Number | 21035 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 33 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Murray, KY |
Operational Info
| Number of Employees | 68 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 06/15/1999 |
| Primary Insurance Agency | DIF |
| Website | www.themurraybank.com |
| Data Updated | 11/14/2025 |
| CERT | 35161 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $539.25M |
| Total Deposits | $479.14M |
| Total Liabilities | $496.01M |
| Total Equity Capital | $43.23M |
| Net Income | $2.29M |
| Net Loans and Leases | $391.75M |
| Assets Per Employee ($Millions) | $7.93M |
| Bank Premises and Fixed Assets | $3.56M |
| Cash and Balances due from Depository Institutions | $8.46M |
| Deposits Held in Domestic Offices | $479.14M |
Key Performance Ratios
| Return on Assets (ROA) | 1.71% |
| Return on Equity (ROE) | 21.69% |
| Net Interest Margin | 3.67% |
| Efficiency Ratio | 47.34% |
| Tier 1 Risk-Based Capital Ratio | 12.53% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.36% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.017% |
| Earning Assets to total Assets | 95.58% |
Income and Expense
| Total Interest Income | $7.42M |
| Total Noninterest Income | $565.00k |
| Total Interest Expense | $2.73M |
| Total Noninterest Expense | $2.48M |
| Net Interest Income | $4.68M |
| Pre-tax Net Operating Income | $2.29M |
| Provision for Credit Losses | $479.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $12.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $18.18M |
| Federal Funds Purchased and Repurchased Agreement | $1.58M |
| All Other Liabilities | $3.30M |
| Total Liabilities and Capital | $539.25M |
Securities
| Securities | $103.95M |
| Available-for-sale debt securities | $41.67M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $62.28M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Murray Bank?
$539.25M as of the latest filing.
How much are The Murray Bank's total deposits?
$479.14M in total deposits.
Where is The Murray Bank located?
Murray, KY.
What is the Net Interest Margin?
3.67%.
How many domestic offices does it operate?
3.
When was it established?
06/15/1999.
What is the Return on Assets (ROA)?
1.71%.
How much are total loans and leases?
$391.75M (latest filing).
What is the total interest income (latest filing)?
$7.42M.