BlastPoint's Banking Scorecard
Carmine State Bank
Micro
Specialty: Other
TX
FDIC cert 19278
Designations: ✓ Community bank
Carmine, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Carmine State Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.40% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$146.5M
+16.7% YoY
+1.7% QoQ
|
-$71.0M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
37% |
| Total Loans ? |
$38.7M
+5.2% YoY
+3.8% QoQ
|
-$100.5M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 15% in tier |
| Total Deposits ? |
$137.8M
+15.6% YoY
+1.4% QoQ
|
-$45.8M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
42% |
| Return on Assets ? |
0.89%
+19.0% YoY
-11.1% QoQ
|
-0.20% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
39% |
| Net Interest Margin ? |
2.45%
+7.6% YoY
+2.1% QoQ
|
-1.40% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 5% in tier |
| Efficiency Ratio ? |
61.21%
-7.9% YoY
+7.5% QoQ
|
-6.52% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
64% |
| Delinquency Rate ? |
1.22%
+376.1% YoY
-6.2% QoQ
|
+0.58% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
28.07%
-9.0% YoY
+2.3% QoQ
|
-46.46% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.87%
+7.2% YoY
-1.8% QoQ
|
+3.48% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.32%
+329.5% YoY
-4.4% QoQ
|
-0.13% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
47% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.13%
-8.5% YoY
+32.7% QoQ
|
-0.43% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 12% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Net Interest Margin
metric
Bottom 5%
in Micro
Net Interest Margin is in the bottom decile of tier peers. Loan yields, funding mix, or asset mix are compressing margin relative to peers - check deposit costs and loan repricing cadence.
Why this stands out
Current:
2.45%
(Tier avg: 3.85%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Loan-to-Deposit Ratio
Current: 28.07% · Tier avg: 74.53%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 25.87% · Tier avg: 22.39%
64
64th pctile
Efficiency Ratio
Current: 61.21% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.45%
42
42th pctile
Total Deposits
Current: $137.8M · Tier avg: $183.7M
39
39th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.08%
37
37th pctile
Total Assets
Current: $146.5M · Tier avg: $217.5M
24
24th pctile
Delinquency Rate
Current: 1.22% · Tier avg: 0.64%
15
15th pctile
Total Loans
Current: $38.7M · Tier avg: $139.2M
12
12th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
5
5th pctile
Net Interest Margin
Current: 2.45% · Tier avg: 3.85%
Top Weaknesses
5
5th pctile
Net Interest Margin
Current: 2.45% · Tier avg: 3.85%
12
12th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
15
15th pctile
Total Loans
Current: $38.7M · Tier avg: $139.2M
24
24th pctile
Delinquency Rate
Current: 1.22% · Tier avg: 0.64%
37
37th pctile
Total Assets
Current: $146.5M · Tier avg: $217.5M
39
39th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.08%
42
42th pctile
Total Deposits
Current: $137.8M · Tier avg: $183.7M
47
47th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
64
64th pctile
Efficiency Ratio
Current: 61.21% · Tier avg: 67.73%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 25.87% · Tier avg: 22.39%
98
98th pctile
Loan-to-Deposit Ratio
Current: 28.07% · Tier avg: 74.53%