BlastPoint's Banking Scorecard

Muenster State Bank

$100M-$1B Specialty: Other TX FDIC cert 15523

Muenster, TX

2 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
Deposits +3.0% year over year ($192.3M on the books).
Delinquency rate 0.00%.
Return on assets 2.36%.
Efficiency ratio 36.42% vs a 64.48% peer average.
Loan-to-deposit ratio 42.51% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX

View $100M-$1B leaderboard (TX) →

Muenster State Bank has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 30.8% in tier
+ Profitability Leader: Top 32.2% in tier
+ Efficiency Ratio 28.06% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.44% below tier average

Get updates when Muenster State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$227.0M +1.8% YoY +2.7% QoQ	-$159.5M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	32%
Total Loans ?	$81.7M +11.6% YoY +1.4% QoQ	-$176.6M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	Bottom 11.4% in tier
Total Deposits ?	$192.3M +3.0% YoY +1.7% QoQ	-$134.5M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	32%
Return on Assets ?	2.36% +8.0% YoY +0.3% QoQ	+1.04%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	Top 6.3% in tier
Net Interest Margin ?	3.55% +6.1% YoY +1.4% QoQ	-0.44%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	30%
Efficiency Ratio ?	36.42% -2.6% YoY +2.2% QoQ	-28.06%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Top 2.1% in tier
Delinquency Rate ?	0.00%	-0.92%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	42.51% +8.4% YoY -0.3% QoQ	-35.44%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	Top 5.1% in tier
Non-Interest-Bearing Deposit Share ?	33.77% +1.3% YoY +3.5% QoQ	+11.74%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Top 11.1% in tier
Nonperforming Asset Ratio ?	0.00%	-0.67%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	14.78% +1.0% YoY +2.8% QoQ	-1.13%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	64%
Non-Interest Income / Assets ?	0.16% +5.2% YoY +102.5% QoQ	-0.41%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	38%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Noninterest-Bearing	33.8% +0.4pp YoY +1.1pp QoQ	+11.6pp	22.1%	29.2%	22.2%	89%
Brokered Deposits	n/a	n/a	7.9%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	6.1% -1.9pp YoY -0.3pp QoQ	-5.5pp	11.6%	14.8%	12.5%	26%
CRE	n/a	n/a	39.5%	48.4%	41.4%	n/a
1-4 Family	41.6% -4.5pp YoY +1.0pp QoQ	+9.0pp	32.6%	25.8%	31.3%	72%
Consumer	6.7% -2.0pp YoY -0.6pp QoQ	+2.6pp	4.1%	4.7%	5.0%	85%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	22.7%	19.7%	n/a
Leverage Ratio	14.8% +0.2pp YoY +0.4pp QoQ	+2.6pp	12.2%	12.6%	12.6%	86%
Total Capital Ratio	n/a	n/a	19.9%	23.8%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	18 +1 (+5.9%) YoY 0 QoQ	-41	58	186	482	8%
Assets per Employee ($)	$12.6M -3.9% YoY +2.7% QoQ	+$5.1M	$7.5M	$10.1M	$8.8M	94%
Branch Count	2 0 YoY 0 QoQ	-3	4	12	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	n/a	n/a	0.9%	1.0%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	18.82x	20.23x	n/a
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	20.0% -1.0pp YoY -0.2pp QoQ	+7.8pp	12.2%	13.2%	11.6%	88%
Cost of Funds (YTD)	1.1% 0.0pp YoY 0.0pp QoQ	-0.6pp	1.7%	1.6%	1.7%	15%
Net Income ($, YTD)	$2.6M +10.2% YoY — QoQ	+$85K	$2.6M	$15.9M	$40.4M	64%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Credit Quality Leader

growth

#204 of 659 • Top 30.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Profitability Leader

growth

#214 of 661 • Top 32.2% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.36%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

Efficiency Ratio

profitability

Value: 36.42%

Peer Median: 64.48%

#57 of 2643 Top 2.1% in $100M-$1B

135

Loan-to-Deposit Ratio

liquidity

Value: 42.51%

Peer Median: 77.95%

#135 of 2643 Top 5.1% in $100M-$1B

167

Return on Assets

profitability

Value: 2.36%

Peer Median: 1.32%

#167 of 2643 Top 6.3% in $100M-$1B

295

Non-Interest-Bearing Deposit Share

funding

Value: 33.77%

Peer Median: 22.03%

#295 of 2643 Top 11.1% in $100M-$1B

Top Weaknesses (1 metrics)

2342

Total Loans

size

Value: $81.74M

Peer Median: $258.35M

#2342 of 2643 Bottom 11.4% in $100M-$1B