Carmine State Bank
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Data as of · sourced from FFIEC call reports. How we update
Carmine State Bank is an FDIC-insured commercial bank headquartered in Carmine, TX, established in 1907 (FDIC certificate 19278), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $148.8M, up 10.0% from Q2 2025, the 281st largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.00% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19278
- Headquarters
- Carmine, TX
- Established
- 1907
- Total assets, Q2 2026
- $148.8M
- Assets vs Q2 2025
- +10.0%
- Tier 1 leverage ratio, Q2 2026
- 10.00%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 113109898
- Asset rank in state
- 281st of 346 in Texas
Carmine State Bank, based in Carmine, Texas, reported $149 million in assets at June 30, 2026, up 10.0% from a year earlier. It keeps 2.60 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it holds commercial real estate loans equal to only 15% of its capital, a small fraction of the median of 1.2 times for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $8.1 million equal 52% of Tier 1 capital, down from 72% a year earlier. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.50% of loans from 1.24%. Funding is the softer spot: it pays an average of 2.33% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Carmine State Bank reported a return on assets of 1.03%, a nonperforming-loan ratio of 0.50% and a Texas ratio of 2.13%. The figures come from its call report filed with the FFIEC.
Carmine State Bank ranks as the 281st largest of the 346 banks based in Texas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.4% to $148.8M, loans rose 3.1% and deposits rose 1.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 44.7% of total loans, followed by other consumer loans at 10.3%. Its one office in the FDIC Summary of Deposits is in Carmine, TX. Judged on its Q2 2026 call report, Carmine State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 235 Centennial St, Carmine, TX 78932
- County
- Fayette
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 1, 1907
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 12
- Domestic deposits
- $139.2M
- Allowance for credit losses
- $225K
- Net charge-offs (YTD)
- $1K
- Average total assets
- $156.3M
- Average total loans
- $39.2M
- Average interest-bearing deposits
- $105.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 4, 1964
- FDIC Cert
- 19278
- Fed RSSD
- 732954
- Website
- www.carminestatebank.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Carmine State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Carmine State Bank's total assets moved between a low of $115.0M (Q3 2023) and a high of $148.8M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$148.8M total assets against $135.2M; $139.5M total liabilities against $128.8M.
$40.0M net loans and leases against $38.1M; $139.2M total deposits against $128.6M.
$51.2M securities against $43.9M; $54.7M cash and balances due against $49.7M.
$1.7M total interest income against $1.5M; $805K total interest expense against $756K.
$912K net interest income against $791K.
$53K total noninterest income against $44K; $520K total noninterest expense against $480K.
$0 provision for credit losses against $0.
$404K net income against $357K.
1.03% return on assets against 1.00%; 2.60% net interest margin against 2.51%.
10.00% tier 1 leverage ratio against 10.26%.
Inside the full Carmine State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCarmine State Bank rankings
Its closest position to the top of a national ranking is 781 of 3,606, for efficiency ratio; its furthest is 3,302 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.53% (Q4 2025) to 1.03% (Q2 2026) and its net interest margin ran from 2.28% (Q4 2024) to 2.60% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.00% | 1.03% | 0.50% | 2.13% | 2.60% |
| Q1 2026 | 9.69% | 0.85% | 1.77% | 8.52% | 2.34% |
| Q4 2025 | 9.47% | 0.53% | 1.21% | 5.39% | 2.54% |
| Q3 2025 | 10.06% | 0.97% | 1.29% | 6.08% | 2.49% |
| Q2 2025 | 10.26% | 1.00% | 1.24% | 7.24% | 2.51% |
| Q1 2025 | 10.45% | 0.82% | 1.27% | 7.40% | 2.34% |
| Q4 2024 | 10.37% | 0.53% | 0.25% | 1.46% | 2.28% |
| Q3 2024 | 11.30% | 0.83% | 0.00% | 0.00% | 2.33% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Carmine State Bank (main office) | Carmine , TX | 78932 | $139.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 333 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $69K approved, $69K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1995 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Carmine State Bank
What are Carmine State Bank's total assets?
As of the Q2 2026 filing, Carmine State Bank reported total assets of $148.8 million in its FFIEC call report.
Where is Carmine State Bank headquartered?
It is headquartered in Carmine, TX, United States.
When was Carmine State Bank founded?
It was established in 1907, per the FDIC institution directory.
Is Carmine State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19278). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Carmine State Bank?
Carmine State Bank's primary federal regulator is the FDIC.
How many branches does Carmine State Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Carmine State Bank's Texas Ratio?
Its Texas Ratio is 2.13% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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