Muenster State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Muenster State Bank of Muenster, TX against its peer group of 2672 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 | 2.32% | 1.34% | +0.98% | 92nd top |
| ROAE | 19.82% | 13.31% | +6.51% | 86th top |
| Net Interest Margin | 3.61% | 3.93% | -0.32% | 32nd below |
| Efficiency Ratio | 36.05% | 61.14% | -25.09% | 97th top |
| PPNR / Avg Assets | 2.32% | 1.68% | +0.64% | 84th top |
| Yield on Earning Assets | 4.67% | 5.67% | -1.00% | 13th bottom |
| Cost of Funds | 1.20% | 1.88% | -0.68% | 85th top |
| Net Interest Spread | 2.90% | 3.32% | -0.42% | 29th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.93% | 1.28% | -0.35% | 19th bottom |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.78% | 12.14% | +2.64% | 85th top |
| Equity / Assets | 12.17% | 11.37% | +0.80% | 72nd above |
| TCE / Tangible Assets | 12.17% | 11.09% | +1.08% | 75th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 42.91% | 80.65% | -37.74% | 95th top |
| Core Deposit Ratio | 93.84% | 86.86% | +6.98% | 78th top |
| Wholesale Funding Ratio | 3.08% | 5.03% | -1.95% | 54th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.77% | 6.85% | -5.08% | 31st below |
| Loan Growth (Y/Y) | 11.70% | 7.90% | +3.80% | 79th top |
| Deposit Growth (Y/Y) | 2.99% | 6.29% | -3.30% | 43rd below |
See Muenster State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Muenster State 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 Muenster State Bank profile, how to read a UBPR, or how this data updates.