BlastPoint's Banking Scorecard
Carmine State Bank
Carmine, 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 +8.3% year over year ($139.2M on the books).
- Delinquency rate 0.51%.
- Return on assets 1.01%.
- Efficiency ratio 54.13% vs a 64.48% peer average.
- Loan-to-deposit ratio 28.71% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Carmine State Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 10.35% below tier average
- + Delinquency Rate 0.41% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.54% below tier average
- - ROA 0.31% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$148.8M
+10.0% YoY
+2.4% QoQ
|
-$237.8M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
Bottom 13.8% in tier |
| Total Loans ? |
$40.0M
+4.9% YoY
+3.2% QoQ
|
-$218.4M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
Bottom 1.4% in tier |
| Total Deposits ? |
$139.2M
+8.3% YoY
+1.5% QoQ
|
-$187.5M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
18% |
| Return on Assets ? |
1.01%
+2.7% YoY
+9.4% QoQ
|
-0.31% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
34% |
| Net Interest Margin ? |
2.44%
+2.7% YoY
+4.4% QoQ
|
-1.54% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 2.6% in tier |
| Efficiency Ratio ? |
54.13%
-7.7% YoY
-0.5% QoQ
|
-10.35% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
74% |
| Delinquency Rate ? |
0.51%
-59.6% YoY
-71.6% QoQ
|
-0.41% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
28.71%
-3.1% YoY
+1.6% QoQ
|
-49.24% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
Top 1.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.90%
-16.5% YoY
-4.7% QoQ
|
+0.87% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.14%
-61.4% YoY
-71.4% QoQ
|
-0.53% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
67% |
| Tier 1 Capital Ratio ? |
10.00%
-2.5% YoY
+3.2% QoQ
|
-5.91% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 10.8% in tier |
| Non-Interest Income / Assets ? |
0.07%
+0.5% YoY
+97.2% QoQ
|
-0.50% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
Bottom 10.1% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
22.9%
-4.5pp YoY -1.1pp QoQ |
+0.8pp | 22.1% | 29.2% | 22.2% | 59% |
| 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 |
6.8%
0.0pp YoY 0.0pp QoQ |
-4.7pp | 11.6% | 14.8% | 12.5% | 32% |
| CRE | n/a | n/a | 39.5% | 48.4% | 41.4% | n/a |
| 1-4 Family |
45.0%
-0.1pp YoY -2.7pp QoQ |
+12.3pp | 32.6% | 25.8% | 31.3% | 77% |
| Consumer |
17.2%
-1.1pp YoY -0.8pp QoQ |
+13.1pp | 4.1% | 4.7% | 5.0% | 97% |
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 |
10.0%
-0.3pp YoY +0.3pp QoQ |
-2.2pp | 12.2% | 12.6% | 12.6% | 31% |
| 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 |
12
+1 (+9.1%) YoY 0 QoQ |
-47 | 58 | 186 | 482 | 2% |
| Assets per Employee ($) |
$12.4M
+0.8% YoY +2.4% QoQ |
+$4.9M | $7.5M | $10.1M | $8.8M | 94% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 12 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.5%
-0.7pp YoY 0.0pp QoQ |
+0.2pp | 0.3% | 0.3% | 0.4% | 83% |
| Nonaccrual | n/a | n/a | 0.9% | 1.0% | 1.0% | n/a |
| Allowance Coverage |
1.11x
+173.3% YoY +243.1% QoQ |
-23.04x | 24.15x | 18.82x | 20.23x | 30% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 39% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.3%
-3.1pp YoY +0.9pp QoQ |
+5.1pp | 12.2% | 13.2% | 11.6% | 79% |
| Cost of Funds (YTD) |
2.2%
-0.2pp YoY 0.0pp QoQ |
+0.5pp | 1.7% | 1.6% | 1.7% | 82% |
| Net Income ($, YTD) |
$740,000
+15.8% YoY — QoQ |
-$1.8M | $2.6M | $15.9M | $40.4M | 18% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.