Menard Bank: how it compares with its peers
Against 79 TX banks with half to twice its assets, Menard Bank's strongest measure in Q2 2026 is efficiency ratio (43.40% vs. a 67.55% peer median). Its weakest relative measure is net interest margin (2.72% vs. 4.05%).
| Measure | Menard Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.22% | 1.23% | Top third Ahead of 91% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.72% | 4.05% | Bottom third Ahead of 5% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 43.40% | 67.55% | Top third Ahead of 95% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.2M | $5.7M | Top third Ahead of 84% of peers |
| Loans to deposits Net loans and leases over total deposits. | 17.29% | 55.56% | Context |
What it means for lending operations
Its efficiency ratio of 43.40% is better than the 67.55% 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
- Bandera Bank Bandera, TX · $89M
- The First National Bank of Trinity Trinity, TX · $93M
- Junction National Bank Junction, TX · $93M
- Angelina Savings Bank, SSB Lufkin, TX · $87M
- First National Bank Rotan, TX · $96M
Questions about Menard Bank
How big is Menard Bank?
Menard Bank, established in 1919, is headquartered in Menard, TX. It reported $91M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Menard Bank's return on assets?
2.22% annualized in Q2 2026, against a 1.23% median for 79 TX banks with half to twice its assets, ahead of 91% of them.
What is Menard Bank's efficiency ratio?
43.40% in Q2 2026: it spent about 43 cents in noninterest expense for each dollar of revenue. The peer median is 67.55%, and lower is better.
Is Menard Bank growing its loans?
Net loans grew 13.5% over the year to Q2 2026, while deposits grew 5.6%.
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.