Menard Bank
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Data as of · sourced from FFIEC call reports. How we update
Menard Bank is an FDIC-insured commercial bank headquartered in Menard, TX, established in 1919 (FDIC certificate 3336), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $90.7M, up 8.8% from Q2 2025, the 312th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.72% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 3336
- Headquarters
- Menard, TX
- Established
- 1919
- Total assets, Q2 2026
- $90.7M
- Assets vs Q2 2025
- +8.8%
- Tier 1 leverage ratio, Q2 2026
- 12.72%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 111318610
- Latest call report
- Q2 2026, FFIEC 051 · Menard Bank call report
- Holding company
- MENARD BANCSHARES, INC.
- Asset rank in state
- 312th of 346 in Texas
Menard Bank is one of the more profitable banks of its size. Based in Menard, Texas, it had $91 million in assets at June 30, 2026, up 8.8% from a year earlier. It returns 24.8% a year on shareholders' equity, about triple the median of 8.6% for the 583 banks with less than $100 million in assets. It also spends about 40 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 69 cents).
Loans are outrunning deposits: over the year loans rose 13.3% and deposits rose 5.6%. Paper losses on its bond portfolio are shrinking: unrealized losses of $3.1 million equal 27% of Tier 1 capital, down from 46% a year earlier. Its margin is thin by comparison: it keeps 3.08 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.87 cents).
As of June 30, 2026, Menard Bank reported a return on assets of 2.25%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Menard Bank is the 312th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.5% to $90.7M, loans rose 14.0% and deposits rose 1.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 28.4% of total loans, ahead of non-owner-occupied commercial real estate loans at 20.1%. Its one office in the FDIC Summary of Deposits is in Menard, TX. On its Q2 2026 call report, Menard Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 201 Ellis St, Menard, TX 76859
- County
- Menard
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1919
- Former names
- Menard National Bank (1995-2013)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 11
- Domestic deposits
- $82.2M
- Allowance for credit losses
- $223K
- Net charge-offs (YTD)
- $0
- Average total assets
- $90.3M
- Average total loans
- $12.7M
- Average interest-bearing deposits
- $55.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3336
- Fed RSSD
- 375650
- Website
- www.menardbank.com →
- Parent Holding Company
- MENARD BANCSHARES, INC. (RSSD 2291295)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Menard Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Menard Bank's total assets ran between $74.1M (Q3 2023) and $90.7M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$90.7M total assets against $83.4M; $82.3M total liabilities against $78.0M.
$14.2M net loans and leases against $12.5M; $82.2M total deposits against $77.9M.
$63.6M securities against $58.9M; $10.2M cash and balances due against $9.5M.
$756K total interest income against $685K; $159K total interest expense against $185K.
$597K net interest income against $500K.
$303K total noninterest income against $320K; $390K total noninterest expense against $338K.
$1K provision for credit losses against $0.
$509K net income against $482K.
2.25% return on assets against 2.37%; 3.08% net interest margin against 2.83%.
12.72% tier 1 leverage ratio against 12.20%.
Inside the full Menard Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.09% (Q1 2025) to 2.37% (Q2 2025) and its net interest margin ran from 2.05% (Q3 2024) to 3.08% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.72% | 2.25% | 0.00% | 0.00% | 3.08% |
| Q1 2026 | 12.11% | 2.10% | 0.00% | 0.00% | 2.83% |
| Q4 2025 | 11.93% | 2.33% | 0.00% | 0.00% | 2.96% |
| Q3 2025 | 12.27% | 2.10% | 0.00% | 0.00% | 2.87% |
| Q2 2025 | 12.20% | 2.37% | 0.00% | 0.00% | 2.83% |
| Q1 2025 | 11.09% | 2.09% | 0.00% | 0.00% | 2.61% |
| Q4 2024 | 10.17% | 2.24% | 0.00% | 0.00% | 3.01% |
| Q3 2024 | 10.77% | 2.17% | 0.00% | 0.00% | 2.05% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Menard Bank (main office) | Menard , TX | 76859 | $82.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 385 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $92K approved, $92K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2003 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Menard Bank
What are Menard Bank's total assets?
As of the Q2 2026 filing, Menard Bank reported total assets of $90.7 million in its FFIEC call report.
Where is Menard Bank headquartered?
It is headquartered in Menard, TX, United States.
When was Menard Bank founded?
It was established in 1919, per the FDIC institution directory.
Is Menard Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3336). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Menard Bank?
Menard Bank's primary federal regulator is the Federal Reserve.
How many branches does Menard Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Menard Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Menard Bank previously called?
The charter now named Menard Bank has also operated as Menard National Bank (1995-2013), per FDIC structure-change records.
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