Carmine State Bank: how it compares with its peers
Against 110 TX banks with half to twice its assets, Carmine State Bank's strongest measure in Q2 2026 is assets per employee ($12.4M vs. a $6.3M peer median). Its weakest relative measure is net interest margin (2.44% vs. 4.22%).
| Measure | Carmine State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.01% | 1.43% | Bottom third Ahead of 23% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.44% | 4.22% | Bottom third Ahead of 3% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.13% | 64.03% | Top third Ahead of 75% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.4M | $6.3M | Top third Ahead of 96% of peers |
| Loans to deposits Net loans and leases over total deposits. | 28.71% | 62.84% | Context |
What it means for lending operations
Its efficiency ratio of 54.13% is better than the 64.03% 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
- Bank19 Memphis, TX · $148M
- Mason Bank Mason, TX · $147M
- Johnson City Bank Johnson City, TX · $147M
- First State Bank Shallowater, TX · $151M
- Agility Bank, National Association Houston, TX · $152M
- The American National Bank of Mount Pleasant Mount Pleasant, TX · $145M
Questions about Carmine State Bank
How big is Carmine State Bank?
Carmine State Bank, established in 1907, is headquartered in Carmine, TX. It reported $149M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Carmine State Bank's return on assets?
1.01% annualized in Q2 2026, against a 1.43% median for 110 TX banks with half to twice its assets, ahead of 23% of them.
What is Carmine State Bank's efficiency ratio?
54.13% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 64.03%, and lower is better.
Is Carmine State Bank growing its loans?
Net loans grew 4.9% over the year to Q2 2026, while deposits grew 8.3%.
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.