| Metric | Muenster State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +4.4% | -2.6 pts |
| Deposit growth (YoY) | +3.0% | +4.0% | -1.0 pts |
| Loan growth (YoY) | +11.6% | +5.6% | +6.1 pts |
| ROA | 2.36% | 1.24% | +1.1 pts |
| ROE | 20.0% | 11.9% | +8.1 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $227.0M | $192.3M | $81.7M | $27.6M | $2.6M | 2.36% | 3.55% | 0.00% |
| Q1 2026 | $221.1M | $189.1M | $80.6M | $26.3M | $1.3M | 2.35% | 3.50% | 0.00% |
| Q4 2025 | $222.3M | $187.6M | $79.4M | $25.5M | $4.3M | 1.94% | 3.42% | 0.00% |
| Q3 2025 | $222.3M | $183.0M | $75.8M | $27.1M | $3.7M | 2.25% | 3.40% | 0.15% |
| Q2 2025 | $223.1M | $186.7M | $73.2M | $25.2M | $2.4M | 2.19% | 3.34% | 0.00% |
| Q1 2025 | $215.7M | $183.5M | $70.6M | $23.1M | $1.2M | 2.28% | 3.42% | 0.00% |
| Q4 2024 | $217.9M | $190.6M | $71.0M | $20.3M | $3.7M | 1.74% | 3.11% | 0.13% |
| Q3 2024 | $212.0M | $175.8M | $68.2M | $25.1M | $3.2M | 2.01% | 3.06% | 0.00% |
Loan mix (Q2 2026): real estate $66.3M · commercial $5.0M · consumer $5.5M · securities $130.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Muenster State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.36% | 1.24% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 20.0% | 11.9% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 36.4% | 62.9% | 2th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Muenster State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Muenster State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Muenster State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Muenster State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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