Crowell State Bank
Crowell, TX · Cert 10352 · Peer group: banks under $1B in assets in TX (n=208-211) · Crowell Bancshares Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
$57.5MAssets
$28.6MLoans
$51.0MDeposits
$6.0MEquity
Executive Summary
- Strongest standing: return on equity outperforms 91% of banks under $1B in assets in TX (rank 20 of 211).
- Widest gap: total risk-based capital ratio trails 82% of banks under $1B in assets in TX (rank 172 of 211).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.91%
Rank 23 of 211
Net Interest Margin
4.80%
Rank 20 of 211
Efficiency Ratio
52.51%
Rank 48 of 211
Equity / Assets
10.52%
Rank 125 of 211
Non-interest income vs. expense
Unfavorable gap of $1.3M · efficiency ratio beats 78% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.91% | 0.87% | 1.20% | 1.65% | Beats 89% | 23 / 211 | |
| Return on Equity | 18.18% | 7.52% | 11.67% | 14.58% | Beats 91% | 20 / 211 | |
| Net Interest Margin | 4.80% | 3.28% | 3.82% | 4.31% | Beats 91% | 20 / 211 | |
| Efficiency Ratio | 52.51% | 53.01% | 64.18% | 73.65% | Beats 78% | 48 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.89% | 0.01% | 0.30% | 1.10% | Beats 29% | 148 / 208 | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.06% | Beats 32% | 143 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 10.99% | 11.72% | 14.45% | 19.57% | Beats 19% | 171 / 211 | |
| Total Risk-Based Capital Ratio | 10.99% | 11.94% | 14.78% | 20.30% | Beats 18% | 172 / 211 | |
| Equity / Assets | 10.52% | 9.41% | 11.06% | 12.94% | Beats 41% | 125 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 56.11% | 45.39% | 66.56% | 82.03% | 33rd pctl | 140 / 208 | |
| Loans / Assets | 49.76% | 39.13% | 56.90% | 70.46% | 34th pctl | 140 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |