Muenster State Bank
Operating from Muenster, TX, Muenster State Bank serves its local market as an FDIC-insured commercial bank. On its most recent Q1 2026 call report, Muenster State reported $221M in total assets against $189M in deposits. The bank posts a strong 2.29% ROA and 20.18% ROE. Under the simplified Community Bank Leverage Ratio framework, leverage of 14.37% exceeds the 9% CBLR threshold. Asset quality is pristine — 0.00% NPLs and a 0.00% Texas Ratio. It operates 2 branches, primarily in Texas.
Headquarters Profile
- Address
- 201 North Main Street, MUENSTER, TX 76252
- County
- Cooke
- Metro Area
- GAINESVILLE, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 13
- Established
- July 3, 1923
- Branches
- 2 domestic
- Employees (FTE)
- 18
- FDIC Cert
- 15523
- Fed RSSD
- 765662
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Muenster State Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about Muenster State Bank
What are Muenster State Bank's total assets?
As of the Q1 2026 filing, Muenster State Bank reported total assets of $221.1 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Muenster State Bank headquartered?
Muenster State Bank is headquartered in MUENSTER, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Muenster State Bank founded?
Muenster State Bank was established in 1923, per the FDIC institution directory.
Is Muenster State Bank FDIC-insured?
Yes. Muenster State Bank is an FDIC-insured commercial bank (FDIC Certificate #15523). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Muenster State Bank?
Muenster State Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Muenster State Bank operate?
Muenster State Bank operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Muenster State Bank's Texas Ratio?
Muenster State Bank's Texas Ratio is 0.00% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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