Castroville State Bank: how it compares with its peers
Against 137 TX banks with half to twice its assets, Castroville State Bank's strongest measure in Q2 2026 is efficiency ratio (51.14% vs. a 61.24% peer median). Its weakest relative measure is net interest margin (3.56% vs. 4.21%).
| Measure | Castroville State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.41% | 1.46% | Middle third Ahead of 46% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.56% | 4.21% | Bottom third Ahead of 21% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.14% | 61.24% | Top third Ahead of 77% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.4M | $6.6M | Top third Ahead of 75% of peers |
| Loans to deposits Net loans and leases over total deposits. | 76.40% | 67.30% | Context |
What it means for lending operations
Its efficiency ratio of 51.14% is better than the 61.24% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Farmers and Merchants Bank De Leon, TX · $270M
- Citizens State Bank Miles, TX · $270M
- Anahuac National Bank Anahuac, TX · $266M
- Bank of DeSoto, National Association De Soto, TX · $265M
- Texas Financial Bank Eden, TX · $265M
- The First National Bank of Ballinger Ballinger, TX · $275M
Questions about Castroville State Bank
How big is Castroville State Bank?
Castroville State Bank, established in 1959, is headquartered in Castroville, TX. It reported $270M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Castroville State Bank's return on assets?
1.41% annualized in Q2 2026, against a 1.46% median for 137 TX banks with half to twice its assets, ahead of 46% of them.
What is Castroville State Bank's efficiency ratio?
51.14% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 61.24%, and lower is better.
Is Castroville State Bank growing its loans?
Net loans grew 2.9% over the year to Q2 2026, while deposits grew 6.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.