Castroville State Bank
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Data as of · sourced from FFIEC call reports. How we update
Castroville State Bank is an FDIC-insured commercial bank headquartered in Castroville, TX, established in 1959 (FDIC certificate 17979), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $269.7M, up 4.8% from Q2 2025, the 227th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.93% 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
- 17979
- Headquarters
- Castroville, TX
- Established
- 1959
- Total assets, Q2 2026
- $269.7M
- Assets vs Q2 2025
- +4.8%
- Tier 1 leverage ratio, Q2 2026
- 10.93%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 114923439
- Asset rank in state
- 227th of 346 in Texas
Castroville State Bank runs leaner than most banks of its size. Based in Castroville, Texas, it had $270 million in assets at June 30, 2026, up 4.8% from a year earlier. It spends about 49 cents to bring in each dollar of revenue, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents).
Earnings jumped: net income for the quarter was $1.1 million, 47% above the same quarter a year earlier. Over the same year, loans grew 2.9% and deposits grew 6.7%.
As of June 30, 2026, Castroville State Bank reported a return on assets of 1.57%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 1.69%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Castroville State Bank is the 227th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 7.3% to $269.7M, loans rose 2.7% and deposits fell 8.4%. 1-4 family residential loans made up 56.0% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 14.0%. Its 2 offices in the FDIC Summary of Deposits are in Castroville, TX. On its Q2 2026 call report, Castroville State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 502 Paris St, Castroville, TX 78009
- County
- Medina
- Metro Area
- San Antonio-New Braunfels, TX
- 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
- April 2, 1959
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 32
- Domestic deposits
- $241.3M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- $76K
- Average total assets
- $278.9M
- Average total loans
- $183.4M
- Average interest-bearing deposits
- $201.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 2, 1959
- FDIC Cert
- 17979
- Fed RSSD
- 742056
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, Castroville State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Castroville State Bank's total assets ranged from $257.4M (Q2 2025) to $306.4M (Q4 2025), 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
$269.7M total assets against $257.4M; $241.8M total liabilities against $232.7M.
$184.3M net loans and leases against $179.1M; $241.3M total deposits against $226.2M.
$62.6M securities against $68.5M; $17.4M cash and balances due against $4.7M.
$3.6M total interest income against $3.3M; $1.1M total interest expense against $1.2M.
$2.5M net interest income against $2.1M.
$177K total noninterest income against $176K; $1.3M total noninterest expense against $1.3M.
$15K provision for credit losses against $45K.
$1.1M net income against $744K.
1.57% return on assets against 1.12%; 3.70% net interest margin against 3.32%.
10.93% tier 1 leverage ratio against 10.53%.
Inside the full Castroville State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCastroville State Bank rankings
Its closest position to the top of a national ranking is 736 of 3,606, for efficiency ratio; its furthest is 2,389 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.83% (Q3 2024) to 1.57% (Q2 2026) and its net interest margin ran from 2.78% (Q3 2024) to 3.70% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.93% | 1.57% | 0.00% | 1.69% | 3.70% |
| Q1 2026 | 10.22% | 1.30% | 0.07% | 1.74% | 3.50% |
| Q4 2025 | 10.70% | 1.12% | 0.19% | 2.52% | 3.45% |
| Q3 2025 | 10.77% | 1.15% | 0.26% | 1.65% | 3.36% |
| Q2 2025 | 10.53% | 1.12% | 0.21% | 1.40% | 3.32% |
| Q1 2025 | 9.83% | 1.11% | 0.21% | 1.44% | 3.21% |
| Q4 2024 | 9.99% | 0.89% | 0.24% | 1.68% | 2.94% |
| Q3 2024 | 9.85% | 0.83% | 0.28% | 1.89% | 2.78% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → 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 |
|---|---|---|---|
| Castroville State Bank (main office) | Castroville , TX | 78009 | $195.2M |
| Castroville State Bank-Branch 1 Branch | Castroville , TX | 78009 | $46.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 274 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Castroville State Bank
What are Castroville State Bank's total assets?
As of the Q2 2026 filing, Castroville State Bank reported total assets of $269.7 million in its FFIEC call report.
Where is Castroville State Bank headquartered?
It is headquartered in Castroville, TX, United States.
When was Castroville State Bank founded?
It was established in 1959, per the FDIC institution directory.
Is Castroville State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17979). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Castroville State Bank?
Castroville State Bank's primary federal regulator is the FDIC.
How many branches does Castroville State Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Castroville State Bank's Texas Ratio?
Its Texas Ratio is 1.69% 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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