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
Unfavorable gap of $0.4M · efficiency ratio beats 89% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.70% | 0.87% | 1.20% | 1.65% | Beats 77% | 49 / 211 | | |
| Return on Equity | 18.43% | 7.52% | 11.67% | 14.58% | Beats 91% | 19 / 211 | | |
| Net Interest Margin | 2.58% | 3.28% | 3.82% | 4.31% | Beats 5% | 200 / 211 | | |
| Efficiency Ratio | 43.40% | 53.01% | 64.18% | 73.65% | Beats 89% | 24 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.30% | 1.10% | Beats 100% | 44 / 208 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 43 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 12.72% | 11.72% | 14.45% | 19.57% | Beats 37% | 133 / 211 | | |
| Total Risk-Based Capital Ratio | 12.72% | 11.94% | 14.78% | 20.30% | Beats 37% | 133 / 211 | | |
| Equity / Assets | 9.25% | 9.41% | 11.06% | 12.94% | Beats 22% | 164 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 17.56% | 45.39% | 66.56% | 82.03% | 3rd pctl | 202 / 208 | | |
| Loans / Assets | 15.92% | 39.13% | 56.90% | 70.46% | 5th pctl | 200 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |