Carmine State Bank is a state-chartered bank headquartered in Carmine, Texas, in business for about 119 years. At the end of Q2 2026 it reported $148.8M in total assets and $139.2M in deposits, with 1 office.
Carmine State Bank has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than only 47% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 216th. Problem-loan coverage contributes the most (96/100, 2.1%); capital cushion contributes the least (50/100, 10.00%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 7 points (64 → 71), mostly because the loan quality component improved by 24 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 77 |
| Q4 2024 | 72 |
| Q1 2025 | 64 |
| Q2 2025 | 64 |
| Q3 2025 | 63 |
| Q4 2025 | 61 |
| Q1 2026 | 57 |
| Q2 2026 | 71 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.32% |
| Q3 2024 | 11.30% |
| Q4 2024 | 10.37% |
| Q1 2025 | 10.45% |
| Q2 2025 | 10.26% |
| Q3 2025 | 10.06% |
| Q4 2025 | 9.47% |
| Q1 2026 | 9.69% |
| Q2 2026 | 10.00% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.10% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.25% |
| Q1 2025 | 1.27% |
| Q2 2025 | 1.24% |
| Q3 2025 | 1.29% |
| Q4 2025 | 1.21% |
| Q1 2026 | 1.77% |
| Q2 2026 | 0.50% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.80% |
| Q3 2024 | 0.80% |
| Q4 2024 | 0.75% |
| Q1 2025 | 0.88% |
| Q2 2025 | 0.98% |
| Q3 2025 | 1.00% |
| Q4 2025 | 0.89% |
| Q1 2026 | 0.92% |
| Q2 2026 | 1.01% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $148.8M | 10.00% | 0.50% | 1.01% | 28.7% |
| Q1 2026 | 57 | $145.3M | 9.69% | 1.77% | 0.92% | 28.3% |
| Q4 2025 | 61 | $146.5M | 9.47% | 1.21% | 0.89% | 28.1% |
| Q3 2025 | 63 | $144.0M | 10.06% | 1.29% | 1.00% | 27.4% |
| Q2 2025 | 64 | $135.2M | 10.26% | 1.24% | 0.98% | 29.6% |
| Q1 2025 | 64 | $130.0M | 10.45% | 1.27% | 0.88% | 29.9% |
| Q4 2024 | 72 | $125.6M | 10.37% | 0.25% | 0.75% | 30.8% |
| Q3 2024 | 77 | $127.0M | 11.30% | 0.00% | 0.80% | 27.7% |
| Q2 2024 | 77 | $124.0M | 11.32% | 0.10% | 0.80% | 26.9% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank19Bank Memphis, TX | 90 out of 100, Very strong | $147.8M | 15.3% | 0.00% | vs |
| Mason BankBank Mason, TX | 73 out of 100, Strong | $147.5M | 19.9% | 2.45% | vs |
| Johnson City BankBank Johnson City, TX | 82 out of 100, Strong | $146.8M | 12.6% | 0.26% | vs |
| First State BankBank Shallowater, TX | 84 out of 100, Strong | $150.8M | 15.9% | 0.23% | vs |
| Agility Bank, National AssociationBank Houston, TX | 62 out of 100, Moderate | $151.6M | 20.0% | 1.18% | vs |
| The American National Bank of Mount PleasantBank Mount Pleasant, TX | 88 out of 100, Very strong | $144.6M | 12.8% | 0.00% | vs |
Deposit insurance
Is my money safe at Carmine State Bank?
Yes. Carmine State Bank is an FDIC-insured institution (FDIC certificate #19278). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.2% of deposits ($36.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.00%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Carmine State Bank lists 1 office in 1 city. Most locations:
- Carmine, TX (1)
Identity & history
Profile
- Legal name
- Carmine State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 19278
- RSSD ID
- 732954
- Primary regulator
- FDIC
- Established
- July 1, 1907
- Headquarters
- 235 Centennial St, Carmine, TX 78932
- Website
- www.carminestatebank.com
- Employees
- 12
Quick answers
Carmine State Bank: common questions
Is Carmine State Bank FDIC insured?
Yes. Carmine State Bank is an FDIC-insured institution (FDIC certificate #19278). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Carmine State Bank's TellerScore?
71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Carmine State Bank ever failed?
There is no failure record for FDIC certificate #19278 in the FDIC failed bank list.
How many branches does Carmine State Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Carmine
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens National BankBank Cameron, TX | 86 out of 100, Very strong | $691.8M | 12.7% | 0.00% | vs |
| Lcra Credit UnionCredit union Austin, TX | 83 out of 100, Strong | $20.2M | 16.0% | 0.41% | vs |
| Fayette Savings Bank, SSBBank La Grange, TX | 81 out of 100, Strong | $551.8M | 11.0% | 0.01% | vs |
| Germania Credit UnionCredit union Brenham, TX | 81 out of 100, Strong | $19.5M | 12.6% | 0.00% | vs |
| Round Top State BankBank Round Top, TX | 80 out of 100, Strong | $974.1M | 11.9% | 0.36% | vs |
| Austin County State BankBank Bellville, TX | 75 out of 100, Strong | $543.0M | 9.5% | 0.37% | vs |