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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 $0.7MQ3 2024Q2 2026
Deposit mix
72%Interest-bearing $59.5M28%Noninterest $22.7MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.53%1.62%1.69%1.76%1.71%1.76%1.70%1.74%-2 bps
Return on Equity36.37%37.44%30.50%29.95%26.44%25.39%19.22%19.36%-1,059 bps
Net Interest Margin1.74%1.82%2.25%2.40%2.36%2.37%2.51%2.58%+18 bps
Efficiency Ratio46.75%45.10%42.88%42.03%43.39%42.96%43.47%43.40%+137 bps
Non-Interest Burden-0.17%-0.09%0.16%0.13%0.19%0.22%0.41%0.40%+27 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 / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.76%2.09%1.81%1.74%1.72%1.79%1.75%1.54%-20 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.77%10.17%11.09%12.20%12.27%11.93%12.11%12.72%+52 bps
Total Risk-Based Capital20.51%10.17%11.09%12.20%12.27%11.93%12.11%12.72%+52 bps
Equity / Assets6.03%4.82%6.29%6.49%8.29%8.70%8.98%9.25%+276 bps
Liquidity & Funding
Loans / Deposits15.78%13.32%16.05%16.38%16.41%15.74%15.60%17.56%+119 bps
Liquid Assets / Assets12.85%10.26%9.65%11.26%11.29%10.25%13.24%10.88%-38 bps
CRE / Total Capitaln/an/an/an/a36.38%31.86%37.17%n/an/a