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Castroville State Bank

$100M-$1B Specialty: Other TX FDIC cert 17979

Castroville, TX

2 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

Castroville State Bank has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 12.71% below tier average
  • + Delinquency Rate 0.81% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 45.6% in tier
  • - Net Interest Margin 0.53% below tier average
Get updates when Castroville State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $291.0M
+5.4% YoY -5.0% QoQ
-$95.0M $386.1M
+0.5% YoY
$2.3B
+1.1% YoY
$6.2B
+9.1% YoY
44%
Total Loans ? $179.5M
+2.8% YoY -0.3% QoQ
-$76.3M $255.7M
+1.1% YoY
$1.1B
+10.2% YoY
$3.2B
+10.8% YoY
44%
Total Deposits ? $263.3M
+4.7% YoY -5.8% QoQ
-$64.7M $328.0M
+0.1% YoY
$1.9B
+3.3% YoY
$4.8B
+8.2% YoY
47%
Return on Assets ? 1.26%
+11.2% YoY +14.8% QoQ
-0.01% 1.27%
+12.9% YoY
1.40%
+10.3% YoY
1.23%
+13.4% YoY
53%
Net Interest Margin ? 3.41%
+1.1% YoY +3.9% QoQ
-0.53% 3.93%
+6.0% YoY
4.03%
+2.6% YoY
3.89%
+5.7% YoY
26%
Efficiency Ratio ? 52.58%
-9.1% YoY -9.8% QoQ
-12.71% 65.29%
-4.5% YoY
63.18%
-2.3% YoY
66.95%
-4.1% YoY
79%
Delinquency Rate ? 0.07%
-65.7% YoY -61.5% QoQ
-0.81% 0.89%
+18.8% YoY
0.96%
+36.6% YoY
0.95%
+18.8% YoY
77%
Loan-to-Deposit Ratio ? 68.15%
-1.9% YoY +5.9% QoQ
-8.49% 76.64%
+0.8% YoY
67.20%
-0.8% YoY
76.70%
+0.9% YoY
70%
Non-Interest-Bearing Deposit Share ? 20.12%
+24.0% YoY +27.3% QoQ
-1.90% 22.02%
-1.0% YoY
29.02%
-1.0% YoY
22.01%
-1.2% YoY
46%
Nonperforming Asset Ratio ? 0.17%
+28.3% YoY -25.8% QoQ
-0.46% 0.64%
+19.7% YoY
0.62%
+31.5% YoY
0.67%
+19.3% YoY
62%
Tier 1 Capital Ratio ? 10.22%
+3.9% YoY -4.5% QoQ
-5.61% 15.83%
+1.5% YoY
18.04%
+0.0% YoY
17.06%
+0.8% YoY
Bottom 12.2% in tier
Non-Interest Income / Assets ? 0.06%
-6.8% YoY -74.8% QoQ
-0.22% 0.28%
+9.3% YoY
0.20%
+4.0% YoY
0.32%
+4.1% YoY
24%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk
#305 of 666 • Bottom 45.6% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.22%
(Tier: 15.83%, National: 17.06%)
worse than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

555
Efficiency Ratio
profitability
Value: 52.58%
Peer Median: 65.29%
#555 of 2664 Top 20.8% in $100M-$1B
620
Delinquency Rate
credit_quality
Value: 0.07%
Peer Median: 0.89%
#620 of 2654 Top 23.3% in $100M-$1B

Top Weaknesses (2 metrics)

2340
Tier 1 Capital Ratio
capital
Value: 10.22%
Peer Median: 15.83%
#2340 of 2664 Bottom 12.2% in $100M-$1B
2032
Non-Interest Income / Assets
revenue_mix
Value: 0.06%
Peer Median: 0.28%
#2032 of 2664 Bottom 23.8% in $100M-$1B
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