Crowell State Bank
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Data as of · sourced from FFIEC call reports. How we update
Crowell State Bank is an FDIC-insured commercial bank headquartered in Crowell, TX, established in 1931 (FDIC certificate 10352), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $57.5M, up 3.8% from Q2 2025, the 333rd largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.99% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 10352
- Headquarters
- Crowell, TX
- Established
- 1931
- Total assets, Q2 2026
- $57.5M
- Assets vs Q2 2025
- +3.8%
- Tier 1 leverage ratio, Q2 2026
- 10.99%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 111306088
- Holding company
- CROWELL DELAWARE FINANCIAL CORPORATION
- Asset rank in state
- 333rd of 346 in Texas
Problem loans are rising at Crowell State Bank. Its balance sheet stood at $57 million at June 30, 2026, up 3.8% from a year earlier; it is based in Crowell, Texas. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.89% of loans from 0.00% a year earlier. It returns 22.7% a year on shareholders' equity, 2.6 times the median of 8.6% for the 583 banks with less than $100 million in assets. It also keeps 5.22 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.87 cents).
Its $6.2 million commercial and industrial book is improving, with 1.05% past due or on nonaccrual, down from 2.82% a year earlier. Loans are outrunning deposits: over the year loans rose 9.6% and deposits rose 3.4%.
As of June 30, 2026, Crowell State Bank reported a return on assets of 2.39%, a nonperforming-loan ratio of 0.89% and a Texas ratio of 4.02%. The figures come from its call report filed with the FFIEC.
Crowell State Bank ranks as the 333rd largest of the 346 banks based in Texas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.0% to $57.5M, loans fell 3.7% and deposits rose 0.8%. Farmland and other real estate loans made up 23.6% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 21.7%. The FDIC Summary of Deposits lists a single office for it, in Crowell, TX. On its Q2 2026 call report, Crowell State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 100 E Commerce St, Crowell, TX 79227
- County
- Foard
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 28, 1931
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 10
- Domestic deposits
- $51.0M
- Allowance for credit losses
- $281K
- Net charge-offs (YTD)
- $10K
- Average total assets
- $56.8M
- Average total loans
- $29.4M
- Average interest-bearing deposits
- $28.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10352
- Fed RSSD
- 701857
- Website
- WWW.CROWELLSTATEBANK.COM →
- Parent Holding Company
- CROWELL DELAWARE FINANCIAL CORPORATION (RSSD 2599647)
- Ultimate Parent
- CROWELL BANCSHARES, INC. (RSSD 1894998)
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, Crowell 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, Crowell State Bank's total assets ranged from $45.5M (Q3 2024) to $57.5M (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
$57.5M total assets against $55.4M; $51.4M total liabilities against $49.7M.
$28.3M net loans and leases against $25.9M; $51.0M total deposits against $49.3M.
$14.2M securities against $14.6M; $12.2M cash and balances due against $12.3M.
$841K total interest income against $807K; $146K total interest expense against $140K.
$695K net interest income against $667K.
$70K total noninterest income against $92K; $406K total noninterest expense against $440K.
$20K provision for credit losses against $5K.
$339K net income against $314K.
2.39% return on assets against 2.31%; 5.22% net interest margin against 5.22%.
10.99% tier 1 leverage ratio against 10.63%.
Inside the full Crowell State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.19% (Q4 2024) to 2.62% (Q1 2026) and its net interest margin ran from 4.82% (Q1 2025) to 5.51% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.99% | 2.39% | 0.89% | 4.02% | 5.22% |
| Q1 2026 | 10.93% | 2.62% | 0.65% | 3.13% | 5.18% |
| Q4 2025 | 10.70% | 1.32% | 0.15% | 0.71% | 5.51% |
| Q3 2025 | 11.12% | 2.52% | 0.15% | 0.62% | 5.28% |
| Q2 2025 | 10.63% | 2.31% | 0.00% | 0.00% | 5.22% |
| Q1 2025 | 10.55% | 2.16% | 0.22% | 1.05% | 4.82% |
| Q4 2024 | 10.70% | 1.19% | 0.32% | 1.53% | 4.92% |
| Q3 2024 | 11.98% | 2.13% | 0.24% | 1.08% | 5.06% |
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 |
|---|---|---|---|
| Crowell State Bank (main office) | Crowell , TX | 79227 | $51.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 413 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $186K approved, $186K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1997 (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 Crowell State Bank
What are Crowell State Bank's total assets?
As of the Q2 2026 filing, Crowell State Bank reported total assets of $57.5 million in its FFIEC call report.
Where is Crowell State Bank headquartered?
It is headquartered in Crowell, TX, United States.
When was Crowell State Bank founded?
It was established in 1931, per the FDIC institution directory.
Is Crowell State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10352). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Crowell State Bank?
Crowell State Bank's primary federal regulator is the Federal Reserve.
How many branches does Crowell 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 Crowell State Bank's Texas Ratio?
Its Texas Ratio is 4.02% 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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