BlastPoint's Banking Scorecard
Menard Bank
Micro
Specialty: Agricultural
TX
FDIC cert 3336
Designations: ✓ Community bank
Menard, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Menard Bank has 6 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.15% above tier
- + Efficiency Ratio 24.77% below tier
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 59.07% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Non-Interest Income / Assets 0.85% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.29% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$86.6M
+3.1% YoY
+0.6% QoQ
|
-$130.9M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
18% |
| Total Loans ? |
$12.2M
+17.2% YoY
-4.0% QoQ
|
-$127.0M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 4% in tier |
| Total Deposits ? |
$79.0M
-1.2% YoY
+0.2% QoQ
|
-$104.7M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
21% |
| Return on Assets ? |
2.23%
+8.8% YoY
+2.4% QoQ
|
+1.15% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 6% in tier |
| Net Interest Margin ? |
2.56%
+24.8% YoY
+3.4% QoQ
|
-1.29% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 6% in tier |
| Efficiency Ratio ? |
42.96%
-4.7% YoY
-1.0% QoQ
|
-24.77% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 4% in tier |
| Delinquency Rate ? | 0.00% | -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 ? |
15.46%
+18.5% YoY
-4.2% QoQ
|
-59.07% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.39%
-0.5% YoY
+7.1% QoQ
|
+4.00% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
68% |
| Nonperforming Asset Ratio ? | 0.00% | -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 ? |
1.41%
-19.2% YoY
+29.3% QoQ
|
+0.85% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 5% in tier |
Signature Analysis
Strengths (6)
Return on Assets
metric
Top 6%
in Micro
Why this stands out
Current:
2.23%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
42.96%
(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 1%
in Micro
Why this stands out
Current:
15.46%
(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%)
Non-Interest Income / Assets
metric
Top 5%
in Micro
Why this stands out
Current:
1.41%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Net Interest Margin
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.56%
(Tier avg: 3.85%, National avg: 3.75%)
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%
100
100th pctile
Loan-to-Deposit Ratio
Current: 15.46% · Tier avg: 74.53%
96
96th pctile
Efficiency Ratio
Current: 42.96% · Tier avg: 67.73%
95
95th pctile
Non-Interest Income / Assets
Current: 1.41% · Tier avg: 0.56%
94
94th pctile
Return on Assets
Current: 2.23% · Tier avg: 1.08%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 26.39% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
21
21th pctile
Total Deposits
Current: $79.0M · Tier avg: $183.7M
18
18th pctile
Total Assets
Current: $86.6M · Tier avg: $217.5M
6
6th pctile
Net Interest Margin
Current: 2.56% · Tier avg: 3.85%
4
4th pctile
Total Loans
Current: $12.2M · Tier avg: $139.2M
Top Weaknesses
4
4th pctile
Total Loans
Current: $12.2M · Tier avg: $139.2M
6
6th pctile
Net Interest Margin
Current: 2.56% · Tier avg: 3.85%
18
18th pctile
Total Assets
Current: $86.6M · Tier avg: $217.5M
21
21th pctile
Total Deposits
Current: $79.0M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 26.39% · Tier avg: 22.39%
94
94th pctile
Return on Assets
Current: 2.23% · Tier avg: 1.08%
95
95th pctile
Non-Interest Income / Assets
Current: 1.41% · Tier avg: 0.56%
96
96th pctile
Efficiency Ratio
Current: 42.96% · Tier avg: 67.73%
100
100th pctile
Loan-to-Deposit Ratio
Current: 15.46% · Tier avg: 74.53%
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%