Carmine State Bank

BankCarmine, Texas
www.carminestatebank.com

Total Assets

$146.5M

Total Deposits

$137.8M

Branches

1

Established

1907

TFS Health Grade

$
F

56.2 / 100

Poor financial health

How we grade

Carmine State Bank is a bank headquartered in Carmine, Texas, established in 1907. With $146.5M in total assets and 1 branch locations, it has a TFS Financial Health Grade of F (56.2/100).

Capital & Safety

Tier 1 Capital Ratio
9.47%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
1.21%

Profitability

Return on Assets (ROA)
0.89%(1%)
Return on Equity (ROE)
17.27%(10%)
Net Interest Margin
2.45%
Efficiency Ratio
61.21%(60%)

Lending & Liquidity

Total Loans
$38.9M
Loan-to-Deposit Ratio
28.07%
Net Charge-Off Ratio
-0.01%

Growth

Asset Growth (YoY)
+16.65%
Deposit Growth (YoY)
+15.62%
Net Income
$1.2M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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