# MURPHY BANK
FRESNO, CA · FDIC certificate 25726 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $357.2M | |
| Deposits | $296.9M | |
| Loans and leases | $304.5M | |
| Total equity | $53.3M | |
| Loans / deposits | 101.29% (p91 of band) | 82.04% |
| Liquid assets / assets | 9.76% (p4 of band) | |
| Uninsured deposits / deposits | 23.56% (p41 of band) | 25.97% |
| Brokered deposits | 10.46% | |
| Wholesale funding | 11.30% (p81 of band) | |
| FHLB advances / assets | 0.84% | |
| Tier 1 leverage | 14.89% (p89 of band) | 10.81% |
| Unrealized securities loss / equity | 0.00% (p98 of band) | -8.10% |
| AOCI / equity | 0.00% (p77 of band) | |
| ROA (annualized) | 2.46% (p94 of band) | 1.28% |
| Net interest margin | 5.05% (p94 of band) | 3.91% |
| Efficiency ratio | 50.37% (p19 of band) | |
| Noncurrent loans | 0.39% (p48 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p50 of band) | |
| Reserve coverage of noncurrent | 311.24% | |
| Real estate % of loans | 23% | |
| Construction % of loans | 6.12% (p10 of band) | |
| Auto loans | $566,000 (0.19% of loans; DQ 1.06%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.5% | |
| Employees | 35 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **liquid assets <10%** (`liq_thin`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | loans exceed deposits, charge-offs p90 |  |
| 2012-06 | 1 |  | charge-offs p90 |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | brokered >10% |  |
| 2013-03 | 3 | capital falling |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 5 | liquid assets <10%, reserve under noncurrent |  |
| 2014-03 | 3 |  | liquid assets <10%, reserve under noncurrent |
| 2014-06 | 3 |  |  |
| 2014-09 | 2 |  | loans exceed deposits |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | brokered >10% |
| 2015-06 | 2 | brokered >10% |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 | charge-offs p90 | capital falling, brokered >10% |
| 2016-06 | 1 | brokered >10% | charge-offs p90 |
| 2016-09 | 0 |  | brokered >10% |
| 2016-12 | 1 | brokered >10% |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 | loans exceed deposits | brokered >10% |
| 2018-06 | 2 | brokered >10% |  |
| 2018-09 | 3 | capital falling |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 2 |  | loans exceed deposits |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 0 |  | brokered >10% |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | loans exceed deposits |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | charge-offs p90 |  |
| 2021-06 | 1 |  | loans exceed deposits |
| 2021-09 | 1 | capital falling | charge-offs p90 |
| 2021-12 | 1 | loans exceed deposits | capital falling |
| 2022-03 | 1 | charge-offs p90 | loans exceed deposits |
| 2022-06 | 2 | loans exceed deposits, brokered >10% | charge-offs p90 |
| 2022-09 | 1 |  | loans exceed deposits |
| 2022-12 | 2 | loans exceed deposits |  |
| 2023-03 | 1 |  | loans exceed deposits |
| 2023-06 | 3 | loans exceed deposits, wholesale funding >15% |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 4 | deposits shrinking, assets shrinking | wholesale funding >15% |
| 2025-06 | 2 |  | deposits shrinking, assets shrinking |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | loans exceed deposits |
| 2026-03 | 0 |  | brokered >10% |
| 2026-06 | 3 | loans exceed deposits, brokered >10%, liquid assets <10% |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-01-19 [Time of transition at one of Fresno’s few locally owned banks - thebusinessjournal.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxOYkVtY2c2d25EQURCV2dPdWx0OGhXZlM3NXd1UEZTemVvS2RiRWdQSGwzbVlyWFdtcXVyNkZqMFlnZW8wMEFXODVrbkF3cEE2dldndmYxNVRQWmFRQnl2SlJncDNTeEUyd2pXdVZkcHgwbms1LWJXNS1CMTNsQVllQzJ4R1pHYWEya0p4RUNKZXoxM2ZQeE9r?oc=5) · thebusinessjournal.com
- 2024-02-15 [Around the District: Central Valley, California - Federal Reserve Bank of San Francisco](https://news.google.com/rss/articles/CBMitgFBVV95cUxPdHhHVWZCZXMwZndqc0dEVFJ6SWxLWDJVQm5BR0lBRXFpMkVlWXQyVVZIUzVYTUJhekJYTmZ6eDJnMWtwNk5ycnVaSHByVmRHR0x5bmJwUUl3bms5N3luWDBCOFhobHZPZmlseG1Ta0hsbm9hVVVaTy1mc05Hdk0yVHFWc0RJVFJKaElhTUdyVENfOG91NDZTVFRLNzV2eFdabGllaThVS0hpYThVZmxZUWFPZ1MxQQ?oc=5) · Federal Reserve Bank of San Francisco
- 2018-07-20 [Woman who tried to rob Murphy bank threatened to light building on fire - fox4news.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxNdUtXdGc2bkRiMTlUSUcyalRQR0xaMU9DMFRJRndzRkpZZlhEbERuMlhWbFY4QWgwTjRBY2txRm1rUWo4Z0NtcmctNENROS00ZG9PR3RUNmRiRjRRakN2eGlzU2JZQkY1SWlGU0dDeHcyazExNlIwZk51ME5tV0gwazZISzFFZ2c3RHMxZUZpTjFieW82VlBuZFBQRjdlWUJkVUw0?oc=5) · fox4news.com
- 2025-02-19 [Court Refuses to Dismiss Case Where Taxpayer Alleges Reasonable Cause for Relief from Late Filing Penalties - Current Federal Tax Developments](https://news.google.com/rss/articles/CBMi_AFBVV95cUxOSzVEdkVMVjRMRzBXMENNNVZIMEpCYV9UckE4RzhfbjFUaERORGZaQUZOb0RZbUc2eWZxQjJfbklCTGFrWDRFSW84bTBKTEFLTmtzaW1md01CRTV6bEtuWnJ1eXIzcWpvTHl1ZVB3SkZHT0trS2VPbUVjZmZWNkdaakphYW9hcm5RV2JiZ0hYeE9SSUIzQmJFdlU5NldsOS1DZU1QWjdSMzU3YlpXWTk3TENieTl6QWxMSkVaOXZnZ2Raei1faGYxcGdZTGJUbDhKSERGcUVnclJEeEpoS1BIMVhlT21xOENFTUhSWWFmQ1JvSEhUX3pUTjZsb24?oc=5) · Current Federal Tax Developments
- 2021-12-21 [Fresno bank executive retiring after 20 years on the job - thebusinessjournal.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxORjBqcG1zdVVUOElILVV5c0xoUkNkcWNxdzFNY0Z1aWtUTGNVdHdRazQwR1IyMkpMN010bldqQXA2dXlFMmFRSFdBYjhQYXZHcG1TV0FkcUhSUDhrZGNpcjBON1hQdU01Z1pGV3pnQUdMSkx3eWlubWx0UXF1UWVHdG9RZHFrSHZ1ZEFQcTZpT2Y3dw?oc=5) · thebusinessjournal.com
- 2016-12-04 [CHARLES MURPHY Obituary (2016) - Fresno, CA - Fresno Bee - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxOOVlYNko3V0Rja183R0pLMVM5cGNiZlJ5NFBKVU5Xc0FpSl8wM1pWSUMwV0VheFA1eVpKX1pVR0hNdi1KWTVUWWxSTWtwRWV2Unp2YXR4SVZnaWh5SVdqR2VucGJkNmRPQWRSd2s5NXAybGRrOEdULXNGaFRRNy1SaVdIOFFGUWtGLU5LTmwyNHI?oc=5) · legacy.com
- 2025-04-22 [Financial censorship in Canada? - The Critic](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5VOFE0VENiMWR4bXYzMVBMRk9sNkhmMV9NLS1SdzVMeEF0bjVKYWY3UkxuQk84Yy1RR25VUUtqbUMxa2FONzVnQTJlNlByemw1bnlWMGhpWUd0cGd5VEFmTmgzeGthdw?oc=5) · The Critic
- 2010-07-28 [Brittany Murphy’s bank accounts emptied out by husband, sources say: report - New York Post](https://news.google.com/rss/articles/CBMipgFBVV95cUxPcDhzTDZwYm9LN0xBTXhRWHlMdlB4VFNBZXRPUXJJOThIUFJJekVUZ1dsTHhZSXRGdGJHVWVtckpjNG5MRnFxQU52dWpkZnJwQXR3LUsyeVR6T3R3QlNtYjNsYjBZa19JN3FnWHE5eG5mQzdlcTByajdBMUlPNEpmbzRxMzJaX2pVcXc1SDBBaHgyeUIzMUROTVg5U2dHMm5vcTdfYUV3?oc=5) · New York Post

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=25726 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/62.json (key "25726", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide