Menard, TX · Cert 3336 · Menard Bancshares Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.76% | 1.71% | 1.76% | 1.70% | 1.74% | -2 bps | |
| Return on Equity | 29.95% | 26.44% | 25.39% | 19.22% | 19.36% | -1,059 bps | |
| Net Interest Margin | 2.40% | 2.36% | 2.37% | 2.51% | 2.58% | +18 bps | |
| Efficiency Ratio | 42.03% | 43.39% | 42.96% | 43.47% | 43.40% | +137 bps | |
| Non-Interest Burden | 0.13% | 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 / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.74% | 1.72% | 1.79% | 1.75% | 1.54% | -20 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.20% | 12.27% | 11.93% | 12.11% | 12.72% | +52 bps | |
| Total Risk-Based Capital | 12.20% | 12.27% | 11.93% | 12.11% | 12.72% | +52 bps | |
| Equity / Assets | 6.49% | 8.29% | 8.70% | 8.98% | 9.25% | +276 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 16.38% | 16.41% | 15.74% | 15.60% | 17.56% | +119 bps | |
| Liquid Assets / Assets | 11.26% | 11.29% | 10.25% | 13.24% | 10.88% | -38 bps | |
| CRE / Total Capital | n/a | 36.38% | 31.86% | 37.17% | n/a | n/a | |