Institution Statistics
| Muenster State Bank | | FDIC Certificate # | 15523 | | BankRate Report | View | | Year Established | 1923 | | Employees | 17 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $157.85 million | | Loans | $28.94 million | | Deposits | $128.00 million | | Equity Capital | $21.04 million | | Loan Loss Allowance | $623,000 | | Unbacked Noncurrent Loans | $123,000 |
Historic Data - March 2011 | | Assets | $149.62 million | | Equity Capital | $18.54 million | | Loan Loss Allowance | $632,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.06% | | Return on Assets | 2.67% | | Return on Equity | 20.43% | | Interest Income | $1.25 million |
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Institution Health
Overall Score:
5 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Muenster State Bank had $123,000 in non-current loans and owned real-estate with $21.66 million in equity and loan loss allowances on hand to cover it. This gives Muenster State Bank a Texas Ratio of 0.57% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, Muenster State Bank has increased its total deposits by $5.94 million, resulting in 4.87% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Muenster State Bank has shown is above average. | | Capitalization | | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Muenster State Bank has $157.85 million in assets with $21.66 million in equity, resulting in a capitalization level of 13.72%, which is excellent. |
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