CARMINE STATE BANK

CARMINE, TX | Small | Est. July 1, 1907, midnight | FDIC #19278 | RSSD #732954 | FDIC
Latest Report: 2025-12-31

CARMINE STATE BANK is asn small FDIC-insured commercial bank headquartered in CARMINE, TX, established in July 1, 1907, midnight. As of 2025-12-31, the bank reported total assets of $147M and total deposits of $138M. Profitability stands at 0.58% ROA and 10.27% ROE, with a net interest margin of 2.71%. The bank's CET1 capital ratio is 5.81%, below regulatory well-capitalized thresholds. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #19278.

Assets

$147M

Deposits

$138M

Loans

$39M

Equity

$9M

Profitability

Return on Assets (ROA) 0.58%
Return on Equity (ROE) 10.27%
Net Interest Margin (NIM) 2.71%
Yield on Assets 5.08%
Cost of Funds 2.32%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.58%

Capital & Liquidity

CET1 Ratio 5.81%
Tier 1 Capital 5.81%
Total Capital Ratio 6.10%
Leverage Ratio 9.48%
Loan-to-Deposit 28.23%

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