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Menard Bank

Menard, TX · Cert 3336 · Menard Bancshares Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

32

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

58

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

89

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Menard Bank

Menard, TX · Cert 3336 · Menard Bancshares Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$90.7MAssets
$14.4MLoans
$82.2MDeposits
$8.4MEquity
Loan mix
90%RE $10.0M4%C&I $0.5M6%Consumer $0.7MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $59.5M28%Noninterest $22.7MQ2 2025Q2 2026

NIM

3.05%Q2 ’243.32%Q2 ’253.26%Q2 ’26+44%+7%

Non-interest income vs. expense

1.71%Q2 ’241.65%Q2 ’251.67%Q2 ’26+158%+211%

Executive Summary

  • Earnings: ROA of 1.74%, down 2 bps year over year; NIM at 2.58%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.72%, up 52 bps from a year ago.
  • Funding: loans stand at 17.56% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.74%-2 bps YoY

Net Interest Margin (YTD, annualized)

2.58%+18 bps YoY

Efficiency Ratio (YTD, annualized)

43.40%+137 bps YoY

Tier 1 Leverage Ratio

12.72%+52 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.76%1.71%1.76%1.70%1.74%-2 bps
Return on Equity29.95%26.44%25.39%19.22%19.36%-1,059 bps
Net Interest Margin2.40%2.36%2.37%2.51%2.58%+18 bps
Efficiency Ratio42.03%43.39%42.96%43.47%43.40%+137 bps
Non-Interest Burden0.13%0.19%0.22%0.41%0.40%+27 bps
Growth
Asset Growth (YoY)6.06%1.08%3.10%9.41%8.81%+274 bps
Loan Growth (YoY)20.13%2.60%16.80%3.22%13.28%-685 bps
Deposit Growth (YoY)3.37%-1.36%-1.15%6.25%5.62%+225 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.74%1.72%1.79%1.75%1.54%-20 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio12.20%12.27%11.93%12.11%12.72%+52 bps
Total Risk-Based Capital12.20%12.27%11.93%12.11%12.72%+52 bps
Equity / Assets6.49%8.29%8.70%8.98%9.25%+276 bps
Liquidity & Funding
Loans / Deposits16.38%16.41%15.74%15.60%17.56%+119 bps
Liquid Assets / Assets11.26%11.29%10.25%13.24%10.88%-38 bps
CRE / Total Capitaln/a36.38%31.86%37.17%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Menard Bank

Menard, TX · Cert 3336 · Peer group: banks under $1B in assets in TX (n=208-211) · Menard Bancshares Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$90.7MAssets
$14.4MLoans
$82.2MDeposits
$8.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
  • Widest gap: net interest margin trails 95% of banks under $1B in assets in TX (rank 200 of 211).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.70%

Rank 49 of 211

Net Interest Margin

2.58%

Rank 200 of 211

Efficiency Ratio

43.40%

Rank 24 of 211

Equity / Assets

9.25%

Rank 164 of 211

Non-interest income vs. expense

$1.2M$1.5MINCOMEEXPENSE
Unfavorable gap of $0.4M · efficiency ratio beats 89% of banks under $1B in assets in TX
Bank 43.40%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.70%0.87%1.20%1.65%Beats 77%49 / 211
Return on Equity18.43%7.52%11.67%14.58%Beats 91%19 / 211
Net Interest Margin2.58%3.28%3.82%4.31%Beats 5%200 / 211
Efficiency Ratio43.40%53.01%64.18%73.65%Beats 89%24 / 211
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.30%1.10%Beats 100%44 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 100%43 / 208
Capital
Tier 1 Capital Ratio12.72%11.72%14.45%19.57%Beats 37%133 / 211
Total Risk-Based Capital Ratio12.72%11.94%14.78%20.30%Beats 37%133 / 211
Equity / Assets9.25%9.41%11.06%12.94%Beats 22%164 / 211
Liquidity & Funding
Loans / Deposits17.56%45.39%66.56%82.03%3rd pctl202 / 208
Loans / Assets15.92%39.13%56.90%70.46%5th pctl200 / 211
Brokered Deposits / Depositsn/aNot reported for this institution