Castroville State Bank
Castroville, TX · Cert 17979 · Peer group: banks under $1B in assets in TX (n=208-211)
State charter, non-member · FDIC · 2 branches
Q2 2026
$269.7MAssets
$186.4MLoans
$241.3MDeposits
$27.9MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
- Widest gap: total risk-based capital ratio trails 83% of banks under $1B in assets in TX (rank 175 of 211).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.51%
Rank 63 of 211
Net Interest Margin
3.56%
Rank 129 of 211
Efficiency Ratio
51.14%
Rank 44 of 211
Equity / Assets
10.34%
Rank 132 of 211
Non-interest income vs. expense
Unfavorable gap of $4.7M · efficiency ratio beats 80% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.51% | 0.87% | 1.20% | 1.65% | Beats 70% | 63 / 211 | | |
| Return on Equity | 14.58% | 7.52% | 11.67% | 14.58% | Beats 75% | 53 / 211 | | |
| Net Interest Margin | 3.56% | 3.28% | 3.82% | 4.31% | Beats 39% | 129 / 211 | | |
| Efficiency Ratio | 51.14% | 53.01% | 64.18% | 73.65% | Beats 80% | 44 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.30% | 1.10% | Beats 100% | 44 / 208 | | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.01% | 0.06% | Beats 26% | 154 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 10.93% | 11.72% | 14.45% | 19.57% | Beats 18% | 174 / 211 | | |
| Total Risk-Based Capital Ratio | 10.93% | 11.94% | 14.78% | 20.30% | Beats 17% | 175 / 211 | | |
| Equity / Assets | 10.34% | 9.41% | 11.06% | 12.94% | Beats 37% | 132 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 77.25% | 45.39% | 66.56% | 82.03% | 67th pctl | 68 / 208 | | |
| Loans / Assets | 69.11% | 39.13% | 56.90% | 70.46% | 73rd pctl | 57 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |