Muenster State Bank
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Data as of · sourced from FFIEC call reports. How we update
Muenster State Bank is an FDIC-insured commercial bank headquartered in Muenster, TX, established in 1923 (FDIC certificate 15523), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $227.0M, up 1.8% from Q2 2025, the 242nd largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.78% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15523
- Headquarters
- Muenster, TX
- Established
- 1923
- Total assets, Q2 2026
- $227.0M
- Assets vs Q2 2025
- +1.8%
- Tier 1 leverage ratio, Q2 2026
- 14.78%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 111920684
- Latest call report
- Q2 2026, FFIEC 051 · Muenster State Bank call report
- Asset rank in state
- 242nd of 346 in Texas
Muenster State Bank is one of the more profitable banks of its size. Based in Muenster, Texas, it had $227 million in assets at June 30, 2026, up 1.8% from a year earlier. It earns about $2.32 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 36 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Net income for the quarter rose 15% from a year earlier, to $1.3 million. Over the same year, loans grew 11.7% and deposits grew 3.0%.
As of June 30, 2026, Muenster State Bank reported a return on assets of 2.32%, 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.
Muenster State Bank ranks as the 242nd largest of the 346 banks based in Texas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.7% to $227.0M, loans rose 1.4% and deposits rose 1.7%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 41.2% of total loans, ahead of construction and land development loans at 15.9%. Its 2 offices in the FDIC Summary of Deposits are in Muenster, TX and Gainesville, TX; its Muenster office books 83% of its branch deposits. Judged on its Q2 2026 call report, Muenster State Bank meets the community bank leverage ratio test for well capitalized.
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
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 3, 1923
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 18
- Domestic deposits
- $192.3M
- Allowance for credit losses
- $766K
- Net charge-offs (YTD)
- $0
- Average total assets
- $230.4M
- Average total loans
- $81.6M
- Average interest-bearing deposits
- $126.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 31, 1937
- FDIC Cert
- 15523
- Fed RSSD
- 765662
- Website
- www.muensterstate.bank →
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, Muenster State 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, Muenster State Bank's total assets ran between $200.8M (Q3 2023) and $227.0M (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
$227.0M total assets against $223.1M; $199.4M total liabilities against $197.9M.
$81.7M net loans and leases against $73.2M; $192.3M total deposits against $186.7M.
$130.9M securities against $131.4M; $6.3M cash and balances due against $11.0M.
$2.5M total interest income against $2.3M; $591K total interest expense against $616K.
$1.9M net interest income against $1.7M.
$189K total noninterest income against $172K; $790K total noninterest expense against $731K.
$0 provision for credit losses against $0.
$1.3M net income against $1.2M.
2.32% return on assets against 2.06%; 3.61% net interest margin against 3.27%.
14.78% tier 1 leverage ratio against 14.62%.
Inside the full Muenster State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeMuenster State Bank rankings
Its closest position to the top of a national ranking is 105 of 3,606, for efficiency ratio; its furthest is 3,519 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.90% (Q4 2024) to 2.32% (Q2 2026) and its net interest margin ran from 3.09% (Q3 2024) to 3.61% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.78% | 2.32% | 0.00% | 0.00% | 3.61% |
| Q1 2026 | 14.37% | 2.29% | 0.00% | 0.00% | 3.49% |
| Q4 2025 | 13.80% | 0.99% | 0.00% | 0.00% | 3.49% |
| Q3 2025 | 14.80% | 2.29% | 0.43% | 1.19% | 3.51% |
| Q2 2025 | 14.62% | 2.06% | 0.00% | 0.00% | 3.27% |
| Q1 2025 | 13.86% | 2.15% | 0.00% | 0.00% | 3.30% |
| Q4 2024 | 13.78% | 0.90% | 0.39% | 1.33% | 3.21% |
| Q3 2024 | 14.99% | 1.99% | 0.00% | 0.00% | 3.09% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → 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 |
|---|---|---|---|
| Muenster State Bank (main office) | Muenster , TX | 76252 | $159.9M |
| Msb Gainesville Banking Center | Gainesville , TX | 76240 | $32.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 299 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Muenster State Bank
What are Muenster State Bank's total assets?
As of the Q2 2026 filing, Muenster State Bank reported total assets of $227.0 million in its FFIEC call report.
Where is Muenster State Bank headquartered?
It is headquartered in Muenster, TX, United States.
When was Muenster State Bank founded?
It was established in 1923, per the FDIC institution directory.
Is Muenster State Bank FDIC-insured?
Yes. It 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.
How many branches does Muenster State Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Muenster State 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.
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