Menard Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Menard Bank of Menard, TX against its peer group of 578 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.25% | 0.85% | +1.40% | 87th top |
| ROAE | 24.79% | 5.23% | +19.56% | 95th top |
| Net Interest Margin | 3.08% | 3.94% | -0.86% | 16th bottom |
| Efficiency Ratio | 39.93% | 76.13% | -36.20% | 97th top |
| PPNR / Avg Assets | 2.26% | — | — | 86th top |
| Yield on Earning Assets | 3.81% | 5.42% | -1.61% | 8th bottom |
| Cost of Funds | 0.81% | 1.69% | -0.88% | 87th top |
| Net Interest Spread | 2.72% | — | — | 24th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.23% | -1.23% | 86th top |
| NPA / Total Assets | 0.00% | — | — | 83rd top |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 1.54% | — | — | 70th above |
| Texas Ratio | 0.00% | 7.23% | -7.23% | 83rd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.72% | 14.13% | -1.41% | 46th below |
| Equity / Assets | 9.25% | 13.07% | -3.82% | 18th bottom |
| TCE / Tangible Assets | 9.25% | — | — | 19th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 17.56% | 68.58% | -51.02% | 95th top |
| Core Deposit Ratio | 87.20% | 88.79% | -1.59% | 30th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.81% | — | — | 78th top |
| Loan Growth (Y/Y) | 13.28% | — | — | 84th top |
| Deposit Growth (Y/Y) | 5.62% | — | — | 66th above |
See Menard Bank's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Menard Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Menard Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Menard Bank peer analysis.