BlastPoint's Banking Scorecard
Muenster State Bank
Micro
Specialty: Other
TX
FDIC cert 15523
Designations: ✓ Community bank
Muenster, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Muenster State Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 22.87% below tier
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 32.21% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$222.3M
+2.0% YoY
+0.0% QoQ
|
+$4.8M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
56% |
| Total Loans ? |
$79.4M
+11.8% YoY
+4.8% QoQ
|
-$59.8M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
34% |
| Total Deposits ? |
$187.6M
-1.5% YoY
+2.5% QoQ
|
+$4.0M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
56% |
| Return on Assets ? |
1.94%
+11.5% YoY
-13.8% QoQ
|
+0.85% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 11% in tier |
| Net Interest Margin ? |
3.42%
+10.1% YoY
+0.8% QoQ
|
-0.43% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
30% |
| Efficiency Ratio ? |
44.86%
-5.6% YoY
+21.6% QoQ
|
-22.87% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 5% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
42.31%
+13.6% YoY
+2.2% QoQ
|
-32.21% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
33.68%
-3.1% YoY
+1.1% QoQ
|
+11.28% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 14% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.32%
-5.3% YoY
+39.0% QoQ
|
-0.24% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
44% |
Signature Analysis
Strengths (4)
Efficiency Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
44.86%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
42.31%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
95
95th pctile
Efficiency Ratio
Current: 44.86% · Tier avg: 67.73%
93
93th pctile
Loan-to-Deposit Ratio
Current: 42.31% · Tier avg: 74.53%
89
89th pctile
Return on Assets
Current: 1.94% · Tier avg: 1.08%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 33.68% · Tier avg: 22.39%
56
56th pctile
Total Assets
Current: $222.3M · Tier avg: $217.5M
56
56th pctile
Total Deposits
Current: $187.6M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
44
44th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.56%
34
34th pctile
Total Loans
Current: $79.4M · Tier avg: $139.2M
30
30th pctile
Net Interest Margin
Current: 3.42% · Tier avg: 3.85%
Top Weaknesses
30
30th pctile
Net Interest Margin
Current: 3.42% · Tier avg: 3.85%
34
34th pctile
Total Loans
Current: $79.4M · Tier avg: $139.2M
44
44th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
56
56th pctile
Total Deposits
Current: $187.6M · Tier avg: $183.7M
56
56th pctile
Total Assets
Current: $222.3M · Tier avg: $217.5M
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 33.68% · Tier avg: 22.39%
89
89th pctile
Return on Assets
Current: 1.94% · Tier avg: 1.08%
93
93th pctile
Loan-to-Deposit Ratio
Current: 42.31% · Tier avg: 74.53%
95
95th pctile
Efficiency Ratio
Current: 44.86% · Tier avg: 67.73%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%