Menard Bank (FDIC certificate #3336) is based in Menard, Texas. Its Q2 2026 call report shows $90.7M in total assets and $82.2M in deposits and 1 office.
Menard Bank has a TellerScore of 87 out of 100 (very strong) based on Q2 2026 data — higher than 84% of its 546 banks with under $100 million in assets. Among 349 banks headquartered in Texas, it ranks 37th. Loan quality contributes the most (100/100, 0.00%); funding & liquidity contributes the least (62/100, 17% loans-to-deposits, 50% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (87 → 87).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 80 |
| Q3 2024 | 81 |
| Q4 2024 | 80 |
| Q1 2025 | 83 |
| Q2 2025 | 87 |
| Q3 2025 | 87 |
| Q4 2025 | 85 |
| Q1 2026 | 86 |
| Q2 2026 | 87 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.53% |
| Q3 2024 | 10.77% |
| Q4 2024 | 10.17% |
| Q1 2025 | 11.09% |
| Q2 2025 | 12.20% |
| Q3 2025 | 12.27% |
| Q4 2025 | 11.93% |
| Q1 2026 | 12.11% |
| Q2 2026 | 12.72% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.84% |
| Q3 2024 | 1.94% |
| Q4 2024 | 2.05% |
| Q1 2025 | 2.15% |
| Q2 2025 | 2.23% |
| Q3 2025 | 2.18% |
| Q4 2025 | 2.23% |
| Q1 2026 | 2.16% |
| Q2 2026 | 2.22% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 87 | $90.7M | 12.72% | 0.00% | 2.22% | 17.3% |
| Q1 2026 | 86 | $89.4M | 12.11% | 0.00% | 2.16% | 15.3% |
| Q4 2025 | 85 | $86.6M | 11.93% | 0.00% | 2.23% | 15.5% |
| Q3 2025 | 87 | $86.1M | 12.27% | 0.00% | 2.18% | 16.1% |
| Q2 2025 | 87 | $83.4M | 12.20% | 0.00% | 2.23% | 16.1% |
| Q1 2025 | 83 | $81.7M | 11.09% | 0.00% | 2.15% | 15.8% |
| Q4 2024 | 80 | $84.0M | 10.17% | 0.00% | 2.05% | 13.0% |
| Q3 2024 | 81 | $85.2M | 10.77% | 0.00% | 1.94% | 15.5% |
| Q2 2024 | 80 | $78.6M | 10.53% | 0.00% | 1.84% | 13.8% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bandera BankBank Bandera, TX | 89 out of 100, Very strong | $89.3M | 12.3% | 0.30% | vs |
| The First National Bank of TrinityBank Trinity, TX | 73 out of 100, Strong | $92.8M | 9.2% | 0.00% | vs |
| Junction National BankBank Junction, TX | 86 out of 100, Very strong | $93.0M | 12.0% | 0.00% | vs |
| Angelina Savings Bank, SSBBank Lufkin, TX | 80 out of 100, Strong | $86.9M | 11.4% | 0.16% | vs |
| First National BankBank Rotan, TX | 42 out of 100, Below average | $96.5M | 9.7% | 3.09% | vs |
| The First Bank of CelesteBank Celeste, TX | 75 out of 100, Strong | $83.9M | 8.4% | 0.00% | vs |
Deposit insurance
Is my money safe at Menard Bank?
Yes. Menard Bank is an FDIC-insured institution (FDIC certificate #3336). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 49.9% of deposits ($41.0M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.72%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Menard Bank lists 1 office in 1 city. Most locations:
- Menard, TX (1)
Identity & history
Profile
- Legal name
- Menard Bank
- Former names
- The Menard National Bank; Menard National Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 3336
- RSSD ID
- 375650
- Primary regulator
- FED
- Holding company
- Menard Bancshares Inc
- Established
- January 1, 1919
- Headquarters
- 201 Ellis St, Menard, TX 76859
- Website
- www.menardbank.com
- Employees
- 11
Quick answers
Menard Bank: common questions
Is Menard Bank FDIC insured?
Yes. Menard Bank is an FDIC-insured institution (FDIC certificate #3336). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Menard Bank's TellerScore?
87 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Menard Bank ever failed?
There is no failure record for FDIC certificate #3336 in the FDIC failed bank list.
How many branches does Menard Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Menard
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Avana BankBank Abilene, TX | 79 out of 100, Strong | $39.6M | 17.5% | 0.00% | vs |
| Texas Financial BankBank Eden, TX | 61 out of 100, Moderate | $264.6M | 11.7% | 1.00% | vs |