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Castroville State Bank

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

Castroville, TX

2 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
  • Deposits +6.7% year over year ($241.3M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.41%.
  • Efficiency ratio 51.14% vs a 64.48% peer average.
  • Loan-to-deposit ratio 76.40% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

Castroville State Bank has 3 strengths but faces 1 concern

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

  • + Delinquency Rate 0.92% below tier average
  • + ROA 0.08% above tier average
  • + Efficiency Ratio 13.34% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 0.42% below tier average
Get updates when Castroville State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $269.7M
+4.8% YoY -7.3% QoQ
-$116.9M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
40%
Total Loans ? $184.3M
+2.9% YoY +2.7% QoQ
-$74.0M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
44%
Total Deposits ? $241.3M
+6.7% YoY -8.4% QoQ
-$85.5M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
43%
Return on Assets ? 1.41%
+24.0% YoY +11.8% QoQ
+0.08% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
59%
Net Interest Margin ? 3.56%
+5.7% YoY +4.6% QoQ
-0.42% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
31%
Efficiency Ratio ? 51.14%
-11.6% YoY -2.7% QoQ
-13.34% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
81%
Delinquency Rate ? 0.00%
-100.0% YoY -100.0% QoQ
-0.92% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 76.40%
-3.5% YoY +12.1% QoQ
-1.55% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
57%
Non-Interest-Bearing Deposit Share ? 19.63%
-1.9% YoY -2.5% QoQ
-2.40% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
44%
Nonperforming Asset Ratio ? 0.19%
+29.1% YoY +7.9% QoQ
-0.48% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
62%
Tier 1 Capital Ratio ? 10.93%
+3.8% YoY +7.0% QoQ
-4.98% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
22%
Non-Interest Income / Assets ? 0.13%
-5.1% YoY +123.0% QoQ
-0.44% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
27%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 19.6%
-0.4pp YoY
-0.5pp QoQ
 -2.5pp 22.1% 29.2% 22.2% 44%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 7.9%
+0.9pp YoY
-0.2pp QoQ
 -3.6pp 11.6% 14.8% 12.5% 40%
CRE 28.2%
+0.4pp YoY
-0.4pp QoQ
 -11.3pp 39.5% 48.4% 41.4% 32%
1-4 Family 56.6%
+0.6pp YoY
+0.7pp QoQ
 +24.0pp 32.6% 25.8% 31.3% 87%
Consumer 2.6%
-0.4pp YoY
-0.2pp QoQ
 -1.6pp 4.1% 4.7% 5.0% 54%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.7% 19.7% n/a
Leverage Ratio 10.9%
+0.4pp YoY
+0.7pp QoQ
 -1.2pp 12.2% 12.6% 12.6% 49%
Total Capital Ratio n/a n/a 19.9% 23.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 32
+1 (+3.2%) YoY
0 QoQ
 -27 58 186 482 30%
Assets per Employee ($) $8.4M
+1.5% YoY
-7.3% QoQ
 +$910K $7.5M $10.1M $8.8M 73%
Branch Count 2
0 YoY
0 QoQ
 -3 4 12 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 18.82x 20.23x n/a
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
-0.1pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 74%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 15.0%
+2.2pp YoY
+0.9pp QoQ
 +2.8pp 12.2% 13.2% 11.6% 68%
Cost of Funds (YTD) 1.6%
-0.3pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.6% 1.7% 43%
Net Income ($, YTD) $2.0M
+34.6% YoY
— QoQ
 -$522K $2.6M $15.9M $40.4M 53%

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 (0)

No matched concern signatures this quarter

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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
510
Efficiency Ratio
profitability
Value: 51.14%
Peer Median: 64.48%
#510 of 2643 Top 19.3% in $100M-$1B

Top Weaknesses (1 metrics)

2056
Tier 1 Capital Ratio
capital
Value: 10.93%
Peer Median: 15.91%
#2056 of 2643 Bottom 22.2% in $100M-$1B
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