Side-by-side · Q2 2026 data
Carmine State Bank vs Round Top State Bank
Metric by metric
| Measure | Carmine State Bank | Round Top State Bank |
|---|---|---|
| TellerScore | 71 | 80 (stronger) |
| Capital cushion | 50 | 69 (stronger) |
| Loan quality | 83 | 88 (stronger) |
| Earnings | 60 | 71 (stronger) |
| Funding & liquidity | 88 (stronger) | 87 |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 47th | 77th |
| Total assets | $148.8M | $974.1M |
| Deposits / shares | $139.2M | $870.3M |
| Capital ratio | 10.00% | 11.94% (stronger) |
| Problem loans | 0.50% | 0.36% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.01% | 1.26% (stronger) |
| Loans ÷ deposits | 28.7% (stronger) | 68.3% |
| Uninsured deposits | 26.2% | 19.6% (stronger) |
| Offices | 1 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.1% |
Round Top State Bank has the higher TellerScore (80 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Carmine State Bank leads on 1 and Round Top State Bank on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.