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Carmine State Bank

Carmine, TX · Cert 19278

State charter, non-member · FDIC · 1 branch

Q2 2026

$148.8MAssets
$40.2MLoans
$139.2MDeposits
$9.3MEquity
Loan mix
72%RE $25.1M8%C&I $2.7M20%Consumer $7.0MQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $107.3M23%Noninterest $31.9MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.10%, up 2 bps year over year; NIM at 2.33%.
  • Asset quality: problem loans at 0.50% of loans (-74 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.00%, down 26 bps from a year ago.
  • Funding: loans stand at 28.87% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.10%+2 bps YoY

Net Interest Margin (quarter, annualized)

2.33%+11 bps YoY

Efficiency Ratio (quarter, annualized)

53.89%-360 bps YoY

Tier 1 Leverage Ratio

10.00%-26 bps YoY

NIM

4.66%Q2 ’244.34%Q2 ’254.39%Q2 ’26+1%+5%

Non-interest income vs. expense

1.57%Q2 ’241.35%Q2 ’251.33%Q2 ’26-14%-2%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.83%0.57%0.88%1.08%1.04%0.58%0.92%1.10%+2 bps
Return on Equity14.38%10.35%18.18%22.74%20.52%10.27%16.41%18.85%-389 bps
Net Interest Margin2.19%2.14%2.04%2.22%2.22%2.29%2.09%2.33%+11 bps
Efficiency Ratio64.82%69.87%59.89%57.49%53.78%72.30%54.39%53.89%-360 bps
Non-Interest Burden1.37%1.45%1.16%1.22%1.14%1.62%1.07%1.20%-3 bps
Growth
Asset Growth (YoY)10.45%4.36%4.97%9.02%13.43%16.65%11.75%10.01%+99 bps
Loan Growth (YoY)8.76%18.93%20.12%21.11%13.23%5.32%4.73%4.99%-1,612 bps
Deposit Growth (YoY)7.18%5.30%5.71%9.92%14.26%15.62%10.91%8.27%-165 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.25%1.27%1.24%1.29%1.21%1.77%0.50%-74 bps
Net Charge-Offs / Loans0.07%-0.02%-0.02%-0.01%-0.01%-0.01%0.01%0.00%+1 bps
Allowance / Loans0.53%0.52%0.52%0.51%0.52%0.58%0.57%0.56%+5 bps
Allowance Coverage of NPLsn/a2.0x0.4x0.4x0.4x0.5x0.3x1.1x+0.7x
Capital
Tier 1 Leverage Ratio11.30%10.37%10.45%10.26%10.06%9.47%9.69%10.00%-26 bps
Total Risk-Based Capital11.30%10.37%10.45%10.26%10.06%9.47%9.69%10.00%-26 bps
Equity / Assets6.05%4.96%4.75%4.72%5.39%5.81%5.42%6.23%+151 bps
Liquidity & Funding
Loans / Deposits27.81%30.99%30.10%29.77%27.57%28.23%28.42%28.87%-90 bps
Liquid Assets / Assets37.09%34.73%34.87%34.71%36.24%34.75%35.09%34.74%+3 bps
CRE / Total Capitaln/an/an/an/a23.71%25.41%27.69%n/an/a