Menard, TX · Cert 3336 · Menard Bancshares Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.71% | 1.85% | 1.69% | 1.84% | 1.65% | 1.87% | 1.70% | 1.77% | -6 bps | |
| Return on Equity | 33.63% | 34.11% | 30.50% | 28.74% | 22.24% | 22.07% | 19.22% | 19.46% | -928 bps | |
| Net Interest Margin | 1.98% | 2.44% | 2.25% | 2.45% | 2.47% | 2.64% | 2.51% | 2.64% | +19 bps | |
| Efficiency Ratio | 45.35% | 40.94% | 42.88% | 41.22% | 45.97% | 41.73% | 43.47% | 43.33% | +211 bps | |
| Non-Interest Burden | -0.08% | 0.10% | 0.16% | 0.09% | 0.31% | 0.35% | 0.41% | 0.39% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.90% | 12.01% | -2.21% | 6.06% | 1.08% | 3.10% | 9.41% | 8.81% | +274 bps | |
| Loan Growth (YoY) | 53.39% | 19.61% | 32.95% | 20.13% | 2.60% | 16.80% | 3.22% | 13.28% | -685 bps | |
| Deposit Growth (YoY) | 9.03% | 10.14% | -5.14% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.76% | 2.09% | 1.81% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.77% | 10.17% | 11.09% | 12.20% | 12.27% | 11.93% | 12.11% | 12.72% | +52 bps | |
| Total Risk-Based Capital | 20.51% | 10.17% | 11.09% | 12.20% | 12.27% | 11.93% | 12.11% | 12.72% | +52 bps | |
| Equity / Assets | 6.03% | 4.82% | 6.29% | 6.49% | 8.29% | 8.70% | 8.98% | 9.25% | +276 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 15.78% | 13.32% | 16.05% | 16.38% | 16.41% | 15.74% | 15.60% | 17.56% | +119 bps | |
| Liquid Assets / Assets | 12.85% | 10.26% | 9.65% | 11.26% | 11.29% | 10.25% | 13.24% | 10.88% | -38 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 36.38% | 31.86% | 37.17% | n/a | n/a | |