TellerScore

Muenster State Bank is a state-chartered bank headquartered in Muenster, Texas, in business for about 103 years. At the end of Q2 2026 it reported $227.0M in total assets and $192.3M in deposits, with 2 offices.

Based on its Q2 2026 filing, Muenster State Bank scores 98/100, which we describe as very strong. That is higher than 100% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 2nd. Its strongest component is loan quality (100/100; 0.00%), and its lowest is funding & liquidity (90/100; 43% loans-to-deposits, 24% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion98/100
Tier 1 leverage ratio: 14.78%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings100/100
Return on assets (annualized): 2.36%
Funding & liquidity90/100
Loans ÷ deposits and uninsured-deposit share: 42.5% · 24.1% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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 (97 → 98).

TellerScore
899499Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202497
Q3 202499
Q4 202489
Q1 202595
Q2 202597
Q3 202595
Q4 202595
Q1 202697
Q2 202698
Tier 1 leverage ratio
5.00%10.00%14.99%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.26%
Q3 202414.99%
Q4 202413.78%
Q1 202513.86%
Q2 202514.62%
Q3 202514.80%
Q4 202513.80%
Q1 202614.37%
Q2 202614.78%
Noncurrent loans
0.00%0.22%0.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.39%
Q1 20250.00%
Q2 20250.00%
Q3 20250.43%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
1.74%2.05%2.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.00%
Q3 20242.01%
Q4 20241.74%
Q1 20252.28%
Q2 20252.19%
Q3 20252.25%
Q4 20251.94%
Q1 20262.35%
Q2 20262.36%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202698$227.0M14.78%0.00%2.36%42.5%
Q1 202697$221.1M14.37%0.00%2.35%42.6%
Q4 202595$222.3M13.80%0.00%1.94%42.3%
Q3 202595$222.3M14.80%0.43%2.25%41.4%
Q2 202597$223.1M14.62%0.00%2.19%39.2%
Q1 202595$215.7M13.86%0.00%2.28%38.5%
Q4 202489$217.9M13.78%0.39%1.74%37.3%
Q3 202499$212.0M14.99%0.00%2.01%38.8%
Q2 202497$208.2M14.26%0.00%2.00%38.3%

2,650 peers · $100 million – $1 billion

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).

Capital ratio14.78%
86th
Total risk-based capital0.00%
24th
Problem loans0.00%
94th
Net charge-offs0.00%
68th
Return on assets2.36%
94th
Net interest margin3.55%
30th
Efficiency ratio36.4%
98th
Loans to deposits42.5%
95th
Uninsured deposits24.1%
49th
Loan-loss reserves0.93%
19th
Texas ratio0.0%
95th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Unity National Bank of HoustonBank Houston, TX65 out of 100, Moderate$224.9M12.0%0.77%vs
First State Bank of BediasBank Bedias, TX81 out of 100, Strong$224.8M17.9%2.01%vs
Sanger BankBank Sanger, TX86 out of 100, Very strong$224.4M16.5%0.51%vs
The Citizens National Bank of HillsboroBank Hillsboro, TX82 out of 100, Strong$224.4M12.5%0.28%vs
The First National Bank of AndersonBank Anderson, TX81 out of 100, Strong$230.4M12.0%0.16%vs
Cypress Bank, SSBBank Pittsburg, TX59 out of 100, Moderate$235.5M11.4%1.84%vs

Deposit insurance

Is my money safe at Muenster State Bank?

Yes. Muenster State Bank is an FDIC-insured institution (FDIC certificate #15523). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 24.1% of deposits ($46.4M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 14.78%, 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%).

Check how much of your own balance is covered

2 locations

Branches

Muenster State Bank lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Muenster State Bank
Type
State-chartered bank
FDIC certificate #
15523
RSSD ID
765662
Primary regulator
FDIC
Established
July 3, 1923
Headquarters
201 North Main Street, Muenster, TX 76252
Employees
18

Quick answers

Muenster State Bank: common questions

Is Muenster State Bank FDIC insured?

Yes. Muenster State Bank is an FDIC-insured institution (FDIC certificate #15523). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Muenster State Bank's TellerScore?

98 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 Muenster State Bank ever failed?

There is no failure record for FDIC certificate #15523 in the FDIC failed bank list.

How many branches does Muenster State Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Muenster

InstitutionScoreAssetsCapitalProblem loansCompare
Datcu Credit UnionCredit union Denton, TX89 out of 100, Very strong$1.8B17.2%0.13%vs
Sanger BankBank Sanger, TX86 out of 100, Very strong$224.4M16.5%0.51%vs
Legend Bank, N.A.Bank Bowie, TX82 out of 100, Strong$1.3B10.4%0.12%vs
First National Bank and Trust Company of ArdmoreBank Ardmore, OK79 out of 100, Strong$686.7M10.1%0.03%vs
American Nation BankBank Ardmore, OK76 out of 100, Strong$691.5M10.3%0.06%vs
City Credit UnionCredit union Dallas, TX73 out of 100, Strong$629.8M12.3%1.23%vs