Carmine State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Carmine State Bank of Carmine, TX against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.03% | 1.34% | -0.31% | 35th below |
| ROAE | 18.85% | 13.31% | +5.54% | 83rd top |
| Net Interest Margin | 2.60% | 3.93% | -1.33% | 4th bottom |
| Efficiency Ratio | 50.14% | 61.14% | -11.00% | 80th top |
| PPNR / Avg Assets | 1.14% | 1.68% | -0.54% | 26th below |
| Yield on Earning Assets | 4.72% | 5.67% | -0.95% | 14th bottom |
| Cost of Funds | 2.33% | 1.88% | +0.45% | 20th bottom |
| Net Interest Spread | 1.67% | 3.32% | -1.65% | 2nd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.56% | 1.28% | -0.72% | 4th bottom |
| Texas Ratio | 2.13% | 7.33% | -5.20% | 62nd above |
| Provision / NCO | 0.00% | 1395.79% | -1395.79% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.00% | 12.14% | -2.14% | 32nd below |
| Equity / Assets | 6.23% | 11.38% | -5.15% | 3rd bottom |
| TCE / Tangible Assets | 6.23% | 11.09% | -4.86% | 4th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 28.87% | 80.64% | -51.77% | 98th top |
| Core Deposit Ratio | 70.23% | 86.86% | -16.63% | 5th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.01% | 6.85% | +3.16% | 83rd top |
| Loan Growth (Y/Y) | 4.99% | 7.90% | -2.91% | 48th below |
| Deposit Growth (Y/Y) | 8.27% | 6.29% | +1.98% | 77th top |
See Carmine State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Carmine State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Carmine State Bank profile, how to read a UBPR, or how this data updates.