Muenster State 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.
The standout move of Q2 2026 was in Core deposits to total deposits: 0.92 percentage points higher than in Q1 2026, at 93.84%. Within Texas, Muenster State Bank is 37th of 345 on return on assets, 2.32% as of Q2 2026, above the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Muenster State Bank reported 2.32% on return on assets in Q2 2026, 1.06 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.78% |
| Equity capital to assets | 12.17% |
| Tangible equity to tangible assets | 12.17% |
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 | 0.93% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.32% |
| Return on equity | 19.82% |
| Net interest margin | 3.61% |
| Efficiency ratio | 36.05% |
| Yield on earning assets | 4.67% |
| Cost of funds | 1.20% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 42.91% |
| Core deposits to total deposits | 93.84% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.69% |
| Securities to assets | 57.66% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 14.37% | 1.72% | 2.82% | 0.00% | 0.09% |
| Q4 2023 | 13.37% | 0.82% | 2.98% | 0.00% | -0.02% |
| Q1 2024 | 13.78% | 1.89% | 2.99% | 0.00% | -0.01% |
| Q2 2024 | 14.26% | 1.95% | 3.00% | 0.00% | -0.01% |
| Q3 2024 | 14.99% | 1.99% | 3.09% | 0.00% | -0.01% |
| Q4 2024 | 13.78% | 0.90% | 3.21% | 0.00% | -0.01% |
| Q1 2025 | 13.86% | 2.15% | 3.30% | 0.00% | 0.00% |
| Q2 2025 | 14.62% | 2.06% | 3.27% | 0.00% | 0.06% |
| Q3 2025 | 14.80% | 2.29% | 3.51% | 0.00% | 0.00% |
| Q4 2025 | 13.80% | 0.99% | 3.49% | 0.00% | -0.01% |
| Q1 2026 | 14.37% | 2.29% | 3.49% | 0.00% | 0.00% |
| Q2 2026 | 14.78% | 2.32% | 3.61% | 0.00% | 0.00% |
Muenster State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Muenster State 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 Muenster State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15523) · FFIEC NIC profile (RSSD 765662)