Muenster State Bank: how it compares with its peers
Against 135 TX banks with half to twice its assets, Muenster State Bank's strongest measure in Q2 2026 is efficiency ratio (36.42% vs. a 62.89% peer median). Its weakest relative measure is net interest margin (3.55% vs. 4.20%).
| Measure | Muenster State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.36% | 1.44% | Top third Ahead of 88% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.55% | 4.20% | Bottom third Ahead of 20% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 36.42% | 62.89% | Top third Ahead of 96% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.6M | $6.6M | Top third Ahead of 93% of peers |
| Loans to deposits Net loans and leases over total deposits. | 42.51% | 67.30% | Context |
What it means for lending operations
Its efficiency ratio of 36.42% is better than the 62.89% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Unity National Bank of Houston Houston, TX · $225M
- First State Bank of Bedias Bedias, TX · $225M
- Sanger Bank Sanger, TX · $224M
- The Citizens National Bank of Hillsboro Hillsboro, TX · $224M
- The First National Bank of Anderson Anderson, TX · $230M
- Cypress Bank, SSB Pittsburg, TX · $236M
Questions about Muenster State Bank
How big is Muenster State Bank?
Muenster State Bank, established in 1923, is headquartered in Muenster, TX. It reported $227M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Muenster State Bank's return on assets?
2.36% annualized in Q2 2026, against a 1.44% median for 135 TX banks with half to twice its assets, ahead of 88% of them.
What is Muenster State Bank's efficiency ratio?
36.42% in Q2 2026: it spent about 36 cents in noninterest expense for each dollar of revenue. The peer median is 62.89%, and lower is better.
Is Muenster State Bank growing its loans?
Net loans grew 11.6% over the year to Q2 2026, while deposits grew 3.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.