TellerScore

Crowell State Bank is a state-chartered bank (fed member) headquartered in Crowell, Texas, in business for about 95 years. At the end of Q2 2026 it reported $57.5M in total assets and $51.0M in deposits, with 1 office.

Crowell State Bank has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 63% of its 546 banks with under $100 million in assets. Among 349 banks headquartered in Texas, it ranks 112th. Earnings contributes the most (100/100, 2.49%); capital cushion contributes the least (60/100, 10.99%).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Tier 1 leverage ratio: 10.99%
Loan quality70/100
Noncurrent loans ÷ total loans: 0.89%
Earnings100/100
Return on assets (annualized): 2.49%
Funding & liquidity93/100
Loans ÷ deposits and uninsured-deposit share: 55.6% · 21.8% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.02%

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 fell 6 points (85 → 79), mostly because the loan quality component weakened by 30 points.

TellerScore
798387Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202480
Q3 202487
Q4 202479
Q1 202583
Q2 202585
Q3 202586
Q4 202585
Q1 202680
Q2 202679
Tier 1 leverage ratio
5.00%8.49%11.98%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.11%
Q3 202411.98%
Q4 202410.70%
Q1 202510.55%
Q2 202510.63%
Q3 202511.12%
Q4 202510.70%
Q1 202610.93%
Q2 202610.99%
Noncurrent loans
0.00%0.44%0.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.49%
Q3 20240.24%
Q4 20240.32%
Q1 20250.22%
Q2 20250.00%
Q3 20250.15%
Q4 20250.15%
Q1 20260.65%
Q2 20260.89%
Return on assets
1.70%2.14%2.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.77%
Q3 20241.89%
Q4 20241.70%
Q1 20252.15%
Q2 20252.23%
Q3 20252.34%
Q4 20252.07%
Q1 20262.59%
Q2 20262.49%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$57.5M10.99%0.89%2.49%55.6%
Q1 202680$56.9M10.93%0.65%2.59%58.2%
Q4 202585$54.5M10.70%0.15%2.07%57.7%
Q3 202586$53.1M11.12%0.15%2.34%56.4%
Q2 202585$55.4M10.63%0.00%2.23%52.5%
Q1 202583$54.0M10.55%0.22%2.15%54.8%
Q4 202479$51.5M10.70%0.32%1.70%53.0%
Q3 202487$45.5M11.98%0.24%1.89%61.1%
Q2 202480$50.5M11.11%0.49%1.77%51.3%

546 peers · Under $100 million in assets

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).

Capital ratio10.99%
29th
Total risk-based capital0.00%
27th
Problem loans0.89%
38th
Net charge-offs0.07%
22nd
Return on assets2.49%
95th
Net interest margin5.20%
93rd
Efficiency ratio52.5%
87th
Loans to deposits55.6%
65th
Uninsured deposits21.8%
29th
Loan-loss reserves0.98%
30th
Texas ratio4.0%
38th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
The First National Bank in CooperBank Cooper, TX72 out of 100, Strong$57.3M13.1%1.44%vs
Amistad BankBank Del Rio, TX86 out of 100, Very strong$57.0M15.3%0.00%vs
First State BankBank Junction, TX78 out of 100, Strong$58.2M10.6%0.37%vs
Producer Bank of TexasBank Powell, TX73 out of 100, Strong$58.7M18.6%0.58%vs
State National BankBank Groom, TX72 out of 100, Strong$55.1M12.6%0.35%vs
Commerce Bank TexasBank Stockdale, TX51 out of 100, Below average$60.6M12.7%2.64%vs

Deposit insurance

Is my money safe at Crowell State Bank?

Yes. Crowell State Bank is an FDIC-insured institution (FDIC certificate #10352). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.8% of deposits ($11.1M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.99%, 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%).

Check how much of your own balance is covered

1 location

Branches

Crowell State Bank lists 1 office in 1 city. Most locations:

  • Crowell, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
Crowell State Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
10352
RSSD ID
701857
Primary regulator
FED
Holding company
Crowell Bancshares Inc
Established
December 28, 1931
Headquarters
100 E Commerce St, Crowell, TX 79227
Employees
10

Quick answers

Crowell State Bank: common questions

Is Crowell State Bank FDIC insured?

Yes. Crowell State Bank is an FDIC-insured institution (FDIC certificate #10352). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Crowell State Bank's TellerScore?

79 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 Crowell State Bank ever failed?

There is no failure record for FDIC certificate #10352 in the FDIC failed bank list.

How many branches does Crowell State Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Crowell

InstitutionScoreAssetsCapitalProblem loansCompare
American National Bank & TrustBank Wichita Falls, TX61 out of 100, Moderate$2.5B10.2%0.88%vs