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Muenster State Bank
Muenster, TX · FDIC Certificate #15523 · Chartered 07/0
Total assets
$227.04M
Total deposits
$192.28M
Total equity
$27.62M
Net loans
$81.74M
Branches (offices)
2
Net income (YTD)
$2.64M
Rank: #2,828 of 4,213 U.S. banks by assets · #242 of 346 in Texas. Assets changed 1.8% and deposits 3.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.36% |
| Return on equity | 19.96% |
| Net interest margin (YTD) | 3.55% |
| Equity to assets | 12.17% |
| Tier 1 leverage ratio | 14.78% |
| Uninsured deposits (share of deposits) | 24.1% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 42.5% |
| Real estate loans (share of loans) | 81.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $66.25M | 81.0% | |
| Commercial & industrial | $4.99M | 6.1% | |
| Consumer / individual | $5.51M | 6.7% | |
| Construction & development | $13.08M | 16.0% | |
| Agricultural | $1.95M | 2.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $206.06M | $186.44M | $1.98M | $19.60M |
| Jun 2023 | $201.62M | $171.21M | $1.92M | $19.37M |
| Jun 2024 | $208.23M | $175.80M | $2.12M | $21.35M |
| Jun 2025 | $223.09M | $186.70M | $2.40M | $25.23M |
| Jun 2026 | $227.04M | $192.28M | $2.64M | $27.62M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $192.28M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $192.28M.
Similar-sized banks
The Stockgrowers State Bank Of Ashland, Kansas ($227.15M) · Eagle Bank ($226.90M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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