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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 1.01%, up 3 bps year over year; NIM at 2.22%.
  • 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 (YTD, annualized)

1.01%+3 bps YoY

Net Interest Margin (YTD, annualized)

2.22%+13 bps YoY

Efficiency Ratio (YTD, annualized)

54.13%-450 bps YoY

Tier 1 Leverage Ratio

10.00%-26 bps YoY

NIM

4.56%Q2 ’244.23%Q2 ’254.26%Q2 ’26-4%+6%

Non-interest income vs. expense

1.52%Q2 ’241.31%Q2 ’251.28%Q2 ’26-14%-3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.80%0.75%0.88%0.98%1.00%0.89%0.92%1.01%+3 bps
Return on Equity14.21%13.53%18.18%20.40%20.12%17.27%16.41%17.31%-309 bps
Net Interest Margin2.15%2.02%2.04%2.10%2.07%2.04%2.09%2.22%+13 bps
Efficiency Ratio65.25%66.47%59.89%58.63%56.91%61.21%54.39%54.13%-450 bps
Non-Interest Burden1.35%1.30%1.16%1.17%1.13%1.20%1.07%1.14%-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 / Loans0.01%0.00%-0.02%-0.02%-0.01%-0.01%0.01%0.00%+2 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