# MURRAY BANK
MURRAY, KY · FDIC certificate 35161 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $534.1M | |
| Deposits | $476.7M | |
| Loans and leases | $409.6M | |
| Total equity | $48.4M | |
| Loans / deposits | 84.58% (p58 of band) | 82.04% |
| Liquid assets / assets | 21.57% (p37 of band) | |
| Uninsured deposits / deposits | 17.83% (p22 of band) | 25.97% |
| Brokered deposits | 2.47% | |
| Wholesale funding | 3.50% (p50 of band) | |
| FHLB advances / assets | 0.94% | |
| Tier 1 leverage | 9.96% (p33 of band) | 10.81% |
| Unrealized securities loss / equity | -12.44% (p37 of band) | -8.10% |
| AOCI / equity | 0.82% (p94 of band) | |
| ROA (annualized) | 1.82% (p81 of band) | 1.28% |
| Net interest margin | 3.73% (p39 of band) | 3.91% |
| Efficiency ratio | 46.07% (p12 of band) | |
| Noncurrent loans | 1.95% (p88 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p50 of band) | |
| Reserve coverage of noncurrent | 79.30% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 51.18% (p57 of band) | |
| Auto loans | $6.3M (1.54% of loans; DQ 4.63%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.6% | |
| Employees | 70 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 1 | uninsured deposits leaving |  |
| 2018-09 | 3 | deposits shrinking, assets shrinking |  |
| 2018-12 | 1 |  | deposits shrinking, assets shrinking |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | uninsured deposits leaving |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | charge-offs p90 |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 | capital falling | charge-offs p90 |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | capital falling, AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | capital falling |  |
| 2023-12 | 1 |  | securities losses >30% of equity, capital falling |
| 2024-03 | 1 | securities losses >30% of equity | uninsured deposits leaving |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 | capital falling | securities losses >30% of equity |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | reserve under noncurrent |  |

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

- 2026-01-02 [Murray Bank alerts customers to scam - WPSD Local 6](https://news.google.com/rss/articles/CBMiugFBVV95cUxNZngwMjdJcDVUSWRXYXdLcGxGVWNDcjlPanhfZm5QazVkZ0p6Y1VvVXh0ekFYeGVOS1oxSl9pbjVRYi1Ed3FuNkVfNjIxajZHXzJEWWhWX18zOUhxdzR2NmdYMEJJREdXaE03c05NV1NqMENnMUpOM0V0UW55dW1zVXdZa0xxUGZEVjl6U1hvOWF2Nkt0UzJRb2lKcUF5bkU2cEhzZDVOVmJQOEx2dmRMazdBSlRLODlJTUE?oc=5) · WPSD Local 6
- 2026-06-26 [Murray Bank donates to restore historic Calloway County courthouse bell - kbsi23.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxOcHo1MjNNVmJNQTBMbURBM0Z4NWJNY3pSbFRmRE92QXJwcGJKQmoxbF9Cb3lEY2h2cVpwai1UZVdpVFJoalU3Zk1Mc0pnZ21oOW1EeXhjU3g4dE1Uc1RMYTNWcWpZUFFkaGM0T2wxd3hhazBfUkxYWm1UeGl6VlFEZmFYLU4xaUk3QkRNY2NGdUF2RmZhQlBYQXRDalpOWl90U2c?oc=5) · kbsi23.com
- 2026-08-28 [Murray Bank Crosstown Classic; Tigers stare down Crosstown, improved Calloway - Murray Ledger and Times](https://news.google.com/rss/articles/CBMihAJBVV95cUxOZkwtYWZKLXNHd3EtTk5BTDJ5ejBVeWctRXRUeTVrcW13MjM3QllTU0JXZ2FDS05VS2hRT2dQMlM5ak5sZGpKRzJYSmVfSzE4OVRPSlk5cWpTNEtuSVhPNzBkSTVMMmN4RE15dV9lZ2xqbWNuY1pxRXpNcUJWakR0TzhIcVBpNDRDV1psajQzQS00ZlNkOE92MEJsa1NRX3ozNWJTY3RKR2hXOU81UWZiUG9Xem5VZFBqTnlpSkRObWtIRXVYY3VLSGgzWGNJbDhtZDFmbTNlSk1qcXRZck5acy1SbERTVl95cm9rNHh3amxtNUZyMTFERW5QbjVZSzJNbDE1SA?oc=5) · Murray Ledger and Times
- 2026-01-01 [The Murray Bank reports text message scam circulating - West Kentucky Star](https://news.google.com/rss/articles/CBMipgFBVV95cUxPSzhkSXBnSFNxeWY3VS11eDByandzZEJCdU81OUlPeHZCYURDdHYyLUc4U0xFelVrZHhPU01LeVBLU0p5cTN5Tm83QnBJalo5bTIzZWNzaXpVaUZ1cGU4MzR2b2Z3V0NkU0t6MC1BcDNGeVhrT0c3Zzh6c2VIQ2ZOVlBySnUwMHkwRXpEUExhX0o3RXpVTF8yX3JTOGRZRzhsWktJX0xB?oc=5) · West Kentucky Star
- 2026-08-29 [The Murray Bank Crosstown Classic; Tigers attack quickly; Murray High wins 10th in a row against Lakers in series - Murray Ledger and Times](https://news.google.com/rss/articles/CBMikwJBVV95cUxOMkxCTlpIa3hXT3JHaDRPN2FuSUoyY05HWmphSVZkSFM2a3VocklDOC1ZWWFJMTlzMEFDdDYyQWxfaUtLN3ZoWlpXNUtLV2FJUVNNREtsQ1VBMlFLUFl6NGhjSXBNRzFfX2J2a0ZYSEV4ck9obnJNVWRjbk5rZmJHR1BTaG9wQ2o4dVlzUXMzQVNKVjZMM0l5WEdNb2NDd0FiSWx2bTNiYlEzZjdmeFFjZW83UDNNSW50Mk1maUl0UjlTYW9lU2VMai1GY1VrUGhDbVg3cGsxYjFnS0NDS3p4UmFCb1k1X2J5NTY5UXZySTNfNjRkaGhuUUFIVXhOV19uNGM3LTdyNXl1enk3cGwtQjdZWQ?oc=5) · Murray Ledger and Times
- 2025-12-29 [Varsity Girls Basketball Multi-team Event - 12/29/2025 | Live & On Demand - NFHS Network](https://news.google.com/rss/articles/CBMigwFBVV95cUxQb3BEVWxsbHFIeTFiRkc5Vm9tTWI0Z0NybzRaYUJOaVo3T0lIVlNWa2I0ZkNqWXRPdDc4dE9FdkZodklydmFWdkZyQ1hRaEtCRTgtbTJpcjVIVUhvcS1fTnhtV3ZDNHNPbTNObnFBRmJ5dy1kajVKX1RmN01jdTEyUW40Zw?oc=5) · NFHS Network
- 2025-11-26 [Dave Hornback Obituary (2025) - Murray, KY - The Paducah Sun - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxOVnpnVHhNeGV2RXJmZWJIOXhpU3kzZDg3V29Scjlvc0JBMG1KdHpzc1JRZkR6dVVnNTlXR1c4YlprQUd3SjRpaWo0WEpuM0hxeVA3OXBHbEo5LU0tMFljQkt5LVRrTmdSOGJIbUhaZ005SFBxV2J6SGVGUWFxTlZSTGVuX3hzbWJoNGlDcktVQW0?oc=5) · legacy.com
- 2025-10-06 [The Murray Bank Presents Racer Mania 2025 - Oct. 26 - Murray State University Athletics](https://news.google.com/rss/articles/CBMinAFBVV95cUxQcEFzR1p2QjZQTjV4VW1Ddi1NdTF5TVlVQTJtczNhb2ZMcGstUng1T3VRckx2OFloRVdpaDNmX3hrQzhkNGp0a3BzaU5aeGIzUk9KYmxHMi1iaVBPLVdKNy16aVFYNXNIT1FweEE1YjNlOHo5a09NYmxfY2FVNWVTbWJQdGFaWk9ZLTNJdEE2M0NMU2w4ajNrUndNa1U?oc=5) · Murray State University Athletics

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35161 (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/25.json (key "35161", 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.

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