Muenster State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 5.09 percentage points lower than in Q1 2026, at 55.03%. Muenster State Bank ranks 293rd of 346 Texas banks on loan-to-deposit ratio, in the lower half at 42.91% (Q2 2026). Muenster State Bank reported 42.91% on loan-to-deposit ratio for Q2 2026, 37.93 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $82.5M |
| Net loans and leases | $81.7M |
| Loans held for sale | $0 |
| Loans to total assets | 36.34% |
| Loan-to-deposit ratio | 42.91% |
| Net loans to equity capital | 2.96% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.48% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 6.04% |
| Consumer | 6.68% |
| Credit cards | 0.00% |
| Farm | 4.74% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.87% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 55.03% |
| Construction concentration (Tier 1 capital + allowance) | 37.57% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.39% |
| Interest income on loans | $1.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $61.0M | $172.8M | 11.90% | 10.59% | 9.62% |
| Q4 2023 | $68.5M | $192.9M | 13.84% | 13.75% | 8.50% |
| Q1 2024 | $69.0M | $175.9M | 13.23% | 13.18% | 8.25% |
| Q2 2024 | $68.1M | $175.8M | 12.05% | 13.51% | 8.87% |
| Q3 2024 | $68.9M | $175.8M | 11.84% | 9.56% | 10.14% |
| Q4 2024 | $71.7M | $190.6M | 11.31% | 8.89% | 9.41% |
| Q1 2025 | $71.3M | $183.5M | 11.30% | 8.44% | 9.24% |
| Q2 2025 | $73.9M | $186.7M | 14.75% | 7.93% | 8.68% |
| Q3 2025 | $76.4M | $183.0M | 14.19% | 6.97% | 8.46% |
| Q4 2025 | $80.2M | $187.6M | 17.08% | 6.22% | 7.50% |
| Q1 2026 | $81.4M | $189.1M | 17.56% | 6.33% | 7.27% |
| Q2 2026 | $82.5M | $192.3M | 18.48% | 6.04% | 6.68% |
Muenster State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Muenster State Bank, freeSource: Call Report Schedule RC-C, 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 Muenster State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15523) · FFIEC NIC profile (RSSD 765662)