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Muenster State Bank

Muenster, TX
IDRSSD: 765662
Total Assets
$222.25M
Latest filing
Total Deposits
$183.00M
Latest filing
Net Interest Margin
3.49%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date07/03/1923
Community BankYes
Ownership TypeNot Mutual
ZIP76252
State and County Number48097
Subchapter S CorporationsYes
Trust PowersN/A
Federal Reserve ID Number11
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictDallas
Core Based Statistical Area NameGainesville, TX

Operational Info

Number of Employees17
Domestic Offices2
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance07/31/1937
Primary Insurance AgencyDIF
Websitehttp://www.muensterstate.bank
Data Updated11/14/2025
CERT15523
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$222.25M
Total Deposits$183.00M
Total Liabilities$195.15M
Total Equity Capital$27.11M
Net Income$1.31M
Net Loans and Leases$75.78M
Assets Per Employee ($Millions)$13.07M
Bank Premises and Fixed Assets$1.82M
Cash and Balances due from Depository Institutions$9.32M
Deposits Held in Domestic Offices$183.00M

Key Performance Ratios

Return on Assets (ROA)2.35%
Return on Equity (ROE)20%
Net Interest Margin3.49%
Efficiency Ratio35.98%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets12.196%
Earning Assets to total Assets96.43%

Income and Expense

Total Interest Income$2.49M
Total Noninterest Income$178.00k
Total Interest Expense$625.00k
Total Noninterest Expense$735.00k
Net Interest Income$1.86M
Pre-tax Net Operating Income$1.31M
Provision for Credit Losses$0
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$12.00M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$151.00k
Total Liabilities and Capital$222.25M

Securities

Securities$130.07M
Available-for-sale debt securities$85.48M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$44.59M
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Muenster State Bank?
$222.25M as of the latest filing.
How much are Muenster State Bank's total deposits?
$183.00M in total deposits.
Where is Muenster State Bank located?
Muenster, TX.
What is the Net Interest Margin?
3.49%.
How many domestic offices does it operate?
2.
When was it established?
07/03/1923.
What is the Return on Assets (ROA)?
2.35%.
How much are total loans and leases?
$75.78M (latest filing).
What is the total interest income (latest filing)?
$2.49M.