Side-by-side · Q2 2026 data
Carmine State Bank vs Austin County State Bank
Metric by metric
| Measure | Carmine State Bank | Austin County State Bank |
|---|---|---|
| TellerScore | 71 | 75 (stronger) |
| Capital cushion | 50 (stronger) | 45 |
| Loan quality | 83 | 88 (stronger) |
| Earnings | 60 | 100 (stronger) |
| Funding & liquidity | 88 (stronger) | 66 |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 47th | 61st |
| Total assets | $148.8M | $543.0M |
| Deposits / shares | $139.2M | $489.7M |
| Capital ratio | 10.00% (stronger) | 9.55% |
| Problem loans | 0.50% | 0.37% (stronger) |
| Net charge-offs | 0.01% | -0.03% (stronger) |
| Return on assets | 1.01% | 2.21% (stronger) |
| Loans ÷ deposits | 28.7% (stronger) | 78.5% |
| Uninsured deposits | 26.2% (stronger) | 29.0% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Austin County State Bank has the higher TellerScore (75 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Carmine State Bank leads on 3 and Austin County State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.