Muenster State Bank

BankMuenster, Texas
http://www.muensterstate.bank

Total Assets

$222.3M

Total Deposits

$187.6M

Branches

2

Established

1923

TFS Health Grade

$
D

66.3 / 100

Below average financial health

How we grade

Muenster State Bank is a bank headquartered in Muenster, Texas, established in 1923. With $222.3M in total assets and 2 branch locations, it has a TFS Financial Health Grade of D (66.3/100).

Capital & Safety

Tier 1 Capital Ratio
13.80%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.00%

Profitability

Return on Assets (ROA)
1.94%(1%)
Return on Equity (ROE)
17.61%(10%)
Net Interest Margin
3.42%
Efficiency Ratio
44.86%(60%)

Lending & Liquidity

Total Loans
$80.2M
Loan-to-Deposit Ratio
42.31%
Net Charge-Off Ratio
0.01%

Growth

Asset Growth (YoY)
+2.00%
Deposit Growth (YoY)
-1.54%
Net Income
$4.3M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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