Menard Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 1.97 percentage points in Q2 2026, from 15.60% to 17.56%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Menard Bank is 43rd of 345 on return on assets, 2.25% as of Q2 2026. Menard Bank's return on assets of 2.25% is well above the 1.00% median for banks in the < $100M asset tier, a gap of 1.25 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.72% |
| Equity capital to assets | 9.25% |
| Tangible equity to tangible assets | 9.25% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.54% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.25% |
| Return on equity | 24.79% |
| Net interest margin | 3.08% |
| Efficiency ratio | 39.93% |
| Yield on earning assets | 3.81% |
| Cost of funds | 0.81% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 17.56% |
| Core deposits to total deposits | 87.20% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.65% |
| Securities to assets | 70.08% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 20.09% | 20.09% | 20.65% | 10.01% | 2.09% |
| Q4 2023 | 19.85% | 19.85% | 20.40% | 10.18% | 1.92% |
| Q1 2024 | — | — | — | 10.24% | 1.78% |
| Q2 2024 | 20.39% | 20.39% | 20.93% | 10.53% | 1.91% |
| Q3 2024 | 20.01% | 20.01% | 20.51% | 10.77% | 2.17% |
| Q4 2024 | — | — | — | 10.17% | 2.24% |
| Q1 2025 | — | — | — | 11.09% | 2.09% |
| Q2 2025 | — | — | — | 12.20% | 2.37% |
| Q3 2025 | — | — | — | 12.27% | 2.10% |
| Q4 2025 | — | — | — | 11.93% | 2.33% |
| Q1 2026 | — | — | — | 12.11% | 2.10% |
| Q2 2026 | — | — | — | 12.72% | 2.25% |
Menard Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Menard Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Menard Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3336) · FFIEC NIC profile (RSSD 375650)