MUENSTER STATE BANK

MUENSTER, TX | Small | Est. July 3, 1923, midnight | FDIC #15523 | RSSD #765662 | FDIC
Latest Report: 2025-12-31

MUENSTER STATE BANK is asn small FDIC-insured commercial bank headquartered in MUENSTER, TX, established in July 3, 1923, midnight. As of 2025-12-31, the bank reported total assets of $222M and total deposits of $188M. Profitability stands at 1.02% ROA and 8.60% ROE, with a net interest margin of 3.62%. The bank's CET1 capital ratio is 11.46%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #15523.

Assets

$222M

Deposits

$188M

Loans

$80M

Equity

$25M

Profitability

Return on Assets (ROA) 1.02%
Return on Equity (ROE) 8.60%
Net Interest Margin (NIM) 3.62%
Yield on Assets 4.87%
Cost of Funds 1.30%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.94%

Capital & Liquidity

CET1 Ratio 11.46%
Tier 1 Capital 11.46%
Total Capital Ratio 12.03%
Leverage Ratio 13.80%
Loan-to-Deposit 42.72%

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