The Murray Bank
Murray, KY
IDRSSD: 2819242
Total Assets
$548.66M
Latest filing
Total Deposits
$487.60M
Latest filing
Net Interest Margin
3.75%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
083974412MURRAY, KY
Key People
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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 01/30/2026Established 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 | 01/30/2026 |
| CERT | 35161 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $548.66M |
| Total Deposits | $487.60M |
| Total Liabilities | $504.32M |
| Total Equity Capital | $44.35M |
| Net Income | $2.25M |
| Net Loans and Leases | $398.71M |
| Assets Per Employee ($Millions) | $7.95M |
| Bank Premises and Fixed Assets | $3.55M |
| Cash and Balances due from Depository Institutions | $11.76M |
| Deposits Held in Domestic Offices | $487.60M |
Key Performance Ratios
| Return on Assets (ROA) | 1.65% |
| Return on Equity (ROE) | 20.52% |
| Net Interest Margin | 3.75% |
| Efficiency Ratio | 50.33% |
| Tier 1 Risk-Based Capital Ratio | 12.878% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.25% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.083% |
| Earning Assets to total Assets | 95% |
Income and Expense
| Total Interest Income | $7.47M |
| Total Noninterest Income | $586.00k |
| Total Interest Expense | $2.62M |
| Total Noninterest Expense | $2.74M |
| Net Interest Income | $4.85M |
| Pre-tax Net Operating Income | $2.36M |
| Provision for Credit Losses | $341.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $12.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $22.47M |
| Federal Funds Purchased and Repurchased Agreement | $865.00k |
| All Other Liabilities | $3.85M |
| Total Liabilities and Capital | $548.66M |
Securities
| Securities | $98.51M |
| Available-for-sale debt securities | $36.92M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $61.60M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Murray Bank?
$548.66M as of the latest filing.
How much are The Murray Bank's total deposits?
$487.60M in total deposits.
Where is The Murray Bank located?
Murray, KY.
What is the Net Interest Margin?
3.75%.
How many domestic offices does it operate?
3.
When was it established?
06/15/1999.
What is the Return on Assets (ROA)?
1.65%.
How much are total loans and leases?
$398.71M (latest filing).
What is the total interest income (latest filing)?
$7.47M.