Bank · FDIC insured
Murphy Bank
A $357.2M bank headquartered in Fresno, CA, with 2 branches in California. Best rates: CDs 3.95% and savings 0.85% APY.
Murphy Bank Carrot Score
78
Carrot Score
Higher than 47% of U.S. banks and credit unions
#9 of 24 in Fresno, CA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Murphy Bank
- Headquarters
- 5180 N Palm Ave, Fresno, CA 93704
- FDIC certificate
- 25726 ↗
Branches
2 branches in California
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California
2 branches
Fresno area · 1
- Murphy BankMain office5180 N Palm Ave, Fresno, CA 93704Directions
San Luis Obispo area · 1
- Murphy Bank San Luis Obispo Branch892 Aerovista Pl, San Luis Obispo, CA 93401Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 14.89% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.39% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 2.46% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $103 | $81 | — |
- CapitalLeverage ratio14.89%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.39%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets2.46%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$103Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Murphy Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.