CASTROVILLE STATE BANK

CASTROVILLE, TX | Small | Est. April 2, 1959, midnight | FDIC #17979 | RSSD #742056 | FDIC
Latest Report: 2025-12-31

CASTROVILLE STATE BANK is asn small FDIC-insured commercial bank headquartered in CASTROVILLE, TX, established in April 2, 1959, midnight. As of 2025-12-31, the bank reported total assets of $306M and total deposits of $280M. Profitability stands at 1.04% ROA and 11.41% ROE, with a net interest margin of 3.36%. The bank's CET1 capital ratio is 8.61%. Asset quality metrics show a non-performing loan ratio of 0.19% and a Texas Ratio of 2.52%. FDIC Certificate #17979.

Assets

$306M

Deposits

$280M

Loans

$182M

Equity

$26M

Profitability

Return on Assets (ROA) 1.04%
Return on Equity (ROE) 11.41%
Net Interest Margin (NIM) 3.36%
Yield on Assets 5.17%
Cost of Funds 1.83%

Asset Quality

NPL Ratio 0.19%
Net Charge-Off Ratio 0.05%
Texas Ratio 2.52%
NPA Ratio 0.23%
ACL / Loans 1.13%

Capital & Liquidity

CET1 Ratio 8.61%
Tier 1 Capital 8.61%
Total Capital Ratio 9.04%
Leverage Ratio 10.70%
Loan-to-Deposit 65.12%

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