Bank · FDIC insured
The Murray Bank
A $534.1M bank headquartered in Murray, KY, with 3 branches in Kentucky. Best rates: CDs 3.90% and savings 0.45% APY.
The Murray Bank Carrot Score
69
Carrot Score
Higher than 23% of U.S. banks and credit unions
#2 of 5 in Murray, KY metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About The Murray Bank
Opened on June 15, 1999, The Murray Bank is an independently owned and operated community bank established by local business leaders in Murray, Kentucky.
Headquartered at its main office in Murray, the bank operates three branch locations across Murray and Hazel in Calloway County.
- Headquarters
- 405 S 12th St, Murray, KY 42071
- FDIC certificate
- 35161 ↗
Branches
3 branches in Kentucky
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Kentucky
3 branches
- The Murray BankMain office405 S 12th St, Murray, KY 42071Directions
- The Murray Bank Hazel Branch405 Main St, Hazel, KY 42049Directions
- 700 B North 12th Street Branch700 B North 12th Street, Murray, KY 42071Directions
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 | 9.96% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.95% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.82% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $86 | $81 | — |
- CapitalLeverage ratio9.96%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.95%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.82%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$86Peers’ 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 The Murray Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.