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The First Bank And Trust Company Of Murphysboro

IDRSSD: 303747
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 1 alert active.

Summary

RSSD 303747 held $82.7M in total assets as of 2026-03-31 (-0.7% quarter-over-quarter). Total loans stood at $52.1M (-1.7% QoQ) and total deposits at $75.8M (-0.9% QoQ).

Overall position is weak — the composite Health Score is 38/100 (Weak). Tier 1 / RWA stands at 14.38%, in the bottom quartile of peers. Asset quality (NPL ratio) sits in the bottom decile of peers.

1 Quarterly Anomaly Alert fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
38/100
Weak
Active Alerts
1
0 critical, 1 warning
Total Assets
$82.7M
-0.7% QoQ
Total Loans
$52.1M
-1.7% QoQ
Total Deposits
$75.8M
-0.9% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
14.38%
25th pctile · n=224↑ better
+31 bp QoQ
CET1 / RWA
14.38%
67th pctile · n=500↑ better
+31 bp QoQ
Total RBC / RWA
15.54%
25th pctile · n=224↑ better
+21 bp QoQ
Tier 1 Leverage Ratio
14.38%
66th pctile · n=500↑ better
+31 bp QoQ

Liquidity

Cash / Assets
4.32%
36th pctile · n=500↑ better
-130 bp QoQ
Loans / Deposits
68.67%
47th pctile · n=493↓ better
-58 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
3.66%
93th pctile · n=500↓ better
-10 bp QoQ
NPA / Assets
6.31%
99th pctile · n=500↓ better
-3 bp QoQ
Texas Ratio (regulatory)
60.61%
100th pctile · n=500↓ better
-66 bp QoQ
Net Charge-Offs / Avg Loans
0.65%
95th pctile · n=500↓ better
+57 bp QoQ
ALLL Coverage of NPL
33.30%
31th pctile · n=500↑ better
-376 bp QoQ

Earnings

Net Interest Margin
3.95%
56th pctile · n=500↑ better
-22 bp QoQ
Return on Assets
0.48%
24th pctile · n=500↑ better
+34 bp QoQ
Return on Equity
6.10%
36th pctile · n=500↑ better
+423 bp QoQ
Efficiency Ratio
90.48%
85th pctile · n=500↓ better
-790 bp QoQ
Pre-tax NOI / Avg Assets
0.48%
22th pctile · n=500↑ better
+31 bp QoQ

Funding

Brokered / Deposits
0.00%
37th pctile · n=493↓ better
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
0.00%
33th pctile · n=500↓ better

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
22.59%
55th pctile · n=500↑ better
-3 bp QoQ
AFS Securities / Assets
19.65%
55th pctile · n=500↑ better
-5 bp QoQ
HTM Securities / Assets
2.93%
85th pctile · n=500↑ better
+2 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-13 16:07:21 UTC