Muenster State Bank
Muenster, TX
IDRSSD: 765662
Total Assets
$222.28M
Latest filing
Total Deposits
$187.64M
Latest filing
Net Interest Margin
3.47%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
111920684MUENSTER, TX
Key People
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Locations
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Main Office
Muenster State Bank
201 North Main Street
Muenster, TX 76252
Full Service - Brick and Mortar
Updated 01/30/2026Established 07/03/1923FDIC Certificate 9820
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Muenster State Bank (Main) | 201 North Main Street | Muenster, TX |
| MSB GAINESVILLE BANKING CENTER | 1601 West Highway 82 | Gainesville, TX |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 07/03/1923 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 76252 |
| State and County Number | 48097 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Gainesville, TX |
Operational Info
| Number of Employees | 17 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 07/31/1937 |
| Primary Insurance Agency | DIF |
| Website | http://www.muensterstate.bank |
| Data Updated | 01/30/2026 |
| CERT | 15523 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $222.28M |
| Total Deposits | $187.64M |
| Total Liabilities | $196.80M |
| Total Equity Capital | $25.47M |
| Net Income | $565.00k |
| Net Loans and Leases | $79.40M |
| Assets Per Employee ($Millions) | $13.08M |
| Bank Premises and Fixed Assets | $1.86M |
| Cash and Balances due from Depository Institutions | $4.93M |
| Deposits Held in Domestic Offices | $187.64M |
Key Performance Ratios
| Return on Assets (ROA) | 1.02% |
| Return on Equity (ROE) | 8.6% |
| Net Interest Margin | 3.47% |
| Efficiency Ratio | 67.62% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.18% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.46% |
| Earning Assets to total Assets | 95.4% |
Income and Expense
| Total Interest Income | $2.49M |
| Total Noninterest Income | $202.00k |
| Total Interest Expense | $638.00k |
| Total Noninterest Expense | $1.39M |
| Net Interest Income | $1.85M |
| Pre-tax Net Operating Income | $565.00k |
| Provision for Credit Losses | $100.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $9.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $166.00k |
| Total Liabilities and Capital | $222.28M |
Securities
| Securities | $130.02M |
| Available-for-sale debt securities | $83.85M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $46.17M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Muenster State Bank?
$222.28M as of the latest filing.
How much are Muenster State Bank's total deposits?
$187.64M in total deposits.
Where is Muenster State Bank located?
Muenster, TX.
What is the Net Interest Margin?
3.47%.
How many domestic offices does it operate?
2.
When was it established?
07/03/1923.
What is the Return on Assets (ROA)?
1.02%.
How much are total loans and leases?
$79.40M (latest filing).
What is the total interest income (latest filing)?
$2.49M.