Carmine State Bank
Carmine, TX · Cert 19278 · Peer group: banks under $1B in assets in TX (n=208-211)
State charter, non-member · FDIC · 1 branch
Q2 2026
$148.8MAssets
$40.2MLoans
$139.2MDeposits
$9.3MEquity
Executive Summary
- Strongest standing: return on equity outperforms 84% of banks under $1B in assets in TX (rank 33 of 211).
- Widest gap: equity / assets trails 98% of banks under $1B in assets in TX (rank 206 of 211).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.99%
Rank 138 of 211
Net Interest Margin
2.22%
Rank 206 of 211
Efficiency Ratio
54.13%
Rank 59 of 211
Equity / Assets
6.23%
Rank 206 of 211
Non-interest income vs. expense
Unfavorable gap of $1.8M · efficiency ratio beats 73% 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 | 0.99% | 0.87% | 1.20% | 1.65% | Beats 35% | 138 / 211 | |
| Return on Equity | 15.97% | 7.52% | 11.67% | 14.58% | Beats 84% | 33 / 211 | |
| Net Interest Margin | 2.22% | 3.28% | 3.82% | 4.31% | Beats 2% | 206 / 211 | |
| Efficiency Ratio | 54.13% | 53.01% | 64.18% | 73.65% | Beats 73% | 59 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.50% | 0.01% | 0.30% | 1.10% | Beats 39% | 127 / 208 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.06% | Beats 55% | 94 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 10.00% | 11.72% | 14.45% | 19.57% | Beats 9% | 192 / 211 | |
| Total Risk-Based Capital Ratio | 10.00% | 11.94% | 14.78% | 20.30% | Beats 8% | 194 / 211 | |
| Equity / Assets | 6.23% | 9.41% | 11.06% | 12.94% | Beats 2% | 206 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 28.87% | 45.39% | 66.56% | 82.03% | 8th pctl | 192 / 208 | |
| Loans / Assets | 27.02% | 39.13% | 56.90% | 70.46% | 11th pctl | 187 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |