BlastPoint's Banking Scorecard

Menard Bank

under $100M Specialty: Agricultural TX FDIC cert 3336

Designations: ✓ Community bank

Menard, TX

541 banks in the under $100M peer group nationally 38 in TX

Menard Bank has 5 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

+ Return on Assets 1.33% above tier average
+ Efficiency Ratio 44.88% below tier average
+ Delinquency Rate 1.37% below tier average
+ Nonperforming Asset Ratio 0.79% below tier average
+ Non-Interest Income / Assets 0.36% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 1.18% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$89.4M +9.4% YoY +3.2% QoQ	+$27.2M	$62.2M -0.6% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Top 13.5% in tier
Total Loans ?	$12.5M +3.3% YoY +2.0% QoQ	-$21.8M	$34.2M -1.4% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Bottom 14.0% in tier
Total Deposits ?	$81.3M +6.2% YoY +2.9% QoQ	+$29.5M	$51.7M -0.7% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Top 7.0% in tier
Return on Assets ?	2.16% +0.7% YoY -3.1% QoQ	+1.33%	0.84% -2.3% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Top 7.8% in tier
Net Interest Margin ?	2.68% +11.5% YoY +4.4% QoQ	-1.18%	3.86% +2.8% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Bottom 10.4% in tier
Efficiency Ratio ?	43.47% +1.4% YoY +1.2% QoQ	-44.88%	88.34% +0.3% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	Top 4.4% in tier
Delinquency Rate ?	0.00%	-1.37%	1.37% +33.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	15.32% -2.8% YoY -0.9% QoQ	-48.89%	64.22% -0.7% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Top 4.8% in tier
Non-Interest-Bearing Deposit Share ?	30.03% +11.5% YoY +13.8% QoQ	+6.32%	23.71% +0.3% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	73%
Nonperforming Asset Ratio ?	0.00%	-0.79%	0.79% +28.2% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	12.11% +9.1% YoY +1.5% QoQ	-14.58%	26.68% +2.0% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	25%
Non-Interest Income / Assets ?	0.31% -16.5% YoY -78.3% QoQ	-0.36%	0.67% +1.9% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Top 7.8% in tier

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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 (0)

No matched strength signatures this quarter

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 541 peers in under $100M

Top Strengths (8 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.37%

#1 of 521 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.79%

#1 of 541 Top 0.1% in under $100M

Efficiency Ratio

profitability

Value: 43.47%

Peer Median: 88.34%

#25 of 541 Top 4.4% in under $100M

Loan-to-Deposit Ratio

liquidity

Value: 15.32%

Peer Median: 64.22%

#27 of 541 Top 4.8% in under $100M

Total Deposits

size

Value: $81.28M

Peer Median: $51.74M

#39 of 541 Top 7.0% in under $100M

Return on Assets

profitability

Value: 2.16%

Peer Median: 0.84%

#43 of 541 Top 7.8% in under $100M

Non-Interest Income / Assets

revenue_mix

Value: 0.31%

Peer Median: 0.67%

#43 of 541 Top 7.8% in under $100M

Total Assets

size

Value: $89.39M

Peer Median: $62.16M

#74 of 541 Top 13.5% in under $100M

Top Weaknesses (3 metrics)

486

Net Interest Margin

profitability

Value: 2.68%

Peer Median: 3.86%

#486 of 541 Bottom 10.4% in under $100M

466

Total Loans

size

Value: $12.45M

Peer Median: $34.25M

#466 of 541 Bottom 14.0% in under $100M

409

Tier 1 Capital Ratio

capital

Value: 12.11%

Peer Median: 26.68%

#409 of 541 Bottom 24.6% in under $100M