# CARMINE STATE BANK
CARMINE, TX · FDIC certificate 19278 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $148.8M | |
| Deposits | $139.2M | |
| Loans and leases | $40.2M | |
| Total equity | $9.3M | |
| Loans / deposits | 28.71% (p7 of band) | 73.59% |
| Liquid assets / assets | 71.19% (p94 of band) | |
| Uninsured deposits / deposits | 26.19% (p72 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.00% (p25 of band) | 11.76% |
| Unrealized securities loss / equity | -86.90% (p1 of band) | -6.57% |
| AOCI / equity | 1.31% (p98 of band) | |
| ROA (annualized) | 1.01% (p40 of band) | 1.17% |
| Net interest margin | 2.44% (p4 of band) | 3.93% |
| Efficiency ratio | 54.13% (p21 of band) | |
| Noncurrent loans | 0.50% (p56 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p54 of band) | |
| Reserve coverage of noncurrent | 111.39% | |
| Real estate % of loans | 63% | |
| Construction % of loans | 26.46% (p61 of band) | |
| Auto loans | $2.8M (6.85% of loans; DQ 2.47%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 8.3% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | uninsured deposits leaving |  |
| 2019-09 | 1 | capital falling | uninsured deposits leaving |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 2 | capital falling, reserve under noncurrent |  |
| 2021-12 | 1 |  | reserve under noncurrent |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | capital falling |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  | capital falling |
| 2023-09 | 2 | AOCI drag >20% of equity |  |
| 2023-12 | 1 |  | AOCI drag >20% of equity |
| 2024-03 | 3 | NIM <2.5%, reserve under noncurrent |  |
| 2024-06 | 2 |  | reserve under noncurrent |
| 2024-09 | 2 |  |  |
| 2024-12 | 4 | capital falling, AOCI drag >20% of equity |  |
| 2025-03 | 3 | reserve under noncurrent | capital falling, AOCI drag >20% of equity |
| 2025-06 | 3 |  |  |
| 2025-09 | 4 | capital falling |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 3 |  | capital falling |
| 2026-06 | 2 |  | reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-07-17 [Gilbert Krause Retires After 22 Years on Carmine State Bank Board - The Fayette County Record](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPNjNsNXFEUHJLVl8zbTRpcDdsRlg0ZHdzVEMwVjRodXZNZHlSeUFVWGQwSF9sYU1Jd1Y3dkJ6Z242NlBTbVA5eTFUamZPbjE3YUctUmdiSHZ0ZWx3UFNGR0c1QkxNX29wX3lWekdSc1NCQWItd3NzY2xWbC1UT0RNWkR6VGZHdDJ4QnlPbmNDM09fX0xzck0wZmFLLVlkbTFoNzBzcDQ5YjBVZw?oc=5) · The Fayette County Record
- 2026-01-05 [Carmine News - SouthTexasNews.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQWUxpM3BaNWZtQ0lsTkVZX2dOOUl3MGloV2dqeXpxMjJQVDRVTUdXR1hDbzNkVHdLYmZVRWl3VzE1SWI4MnR2V1NSZGw4bXl1bWtsQzlHcFo0N29laDNKYVlCQ3lNeHZ2NnpnU2RtREd1M0pOSjJsd1pJekVhQXNuUGZQNGZ5ZVRheW1WMGFnQWprYXNRSEItVXp6NW1iQ3hmeUJtaXNnMnhwZ1Jta2ptdzdPa3BXX25QNnhZ?oc=5) · SouthTexasNews.com
- 2012-11-16 [Howard Fuchs Obituary Nov 16, 2012 - Memorial Oaks Chapel](https://news.google.com/rss/articles/CBMiakFVX3lxTE0xVnQtOHhXempOc1VUaEltTk9MUGdFSUpVUE1zNENrR0pqVVVFeVUtNzF5Y1I3ZkhITkFEZW5BdUZZbTZCMGVWQXZFc0ZtSEpJeXVHY054eUhnVjhTdkUwZVNIQ1BjUzJ2U1E?oc=5) · Memorial Oaks Chapel
- 2024-05-20 [Fayette County Had Its Bank Robberies Too - The Fayette County Record](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNal93UTNVTHN1MjBEbU9RMU1IeVpfaDgyN1ZST014ZUhrZDluSGNHR1VxNjRvVHFmaTdhai1GajVqTEl3cmhGZTFfMU5IQ1V2aVE0b3U0akRHbGJENjgyVEEwTzVHUzBIaUlodXJhY3VOdXpqbWdOaTkwa19aQldfOGhRMTZHZ2JC?oc=5) · The Fayette County Record
- 2026-04-21 [Round Top News - SouthTexasNews.com](https://news.google.com/rss/articles/CBMitwFBVV95cUxOb3hvLXN4djVBaHVTN1JiVWJJdGsycGEyOTZNdndaRVpJbUJXalpaU3c5TDZvLTlTLWJqYWVfcDFzQXRXTXhhbV9wNjJzUXVKLWRIUHZXUndCVHRHSlBKaTV5blVvYzlyU0R1UHB6N05ocjN6emF5YXhIOEh2d3JmTEhPNm1Jb29MR01SNnBybWZCVVMtNDk5RjZTQ2pySmVsYVlsZXRiM3VVWnBGVVFueVVHTE90MHM?oc=5) · SouthTexasNews.com
- 2007-07-20 [Ruth Schneider Obituary Jul 20, 2007 - Memorial Oaks Chapel](https://news.google.com/rss/articles/CBMibEFVX3lxTE1FMi1BazFPbUY2SHpXM3p3Vk10V3FJX2FZNC1TVXptR3RXU1ItN3ZMSlpOOG1vcG4zV2dlX0M5elVxUGdWSlpzaG9PY29pZnJoNlU1dUpVdkpEdkVvMkZ4MTNHTGl3WElFZmc4dQ?oc=5) · Memorial Oaks Chapel
- 2022-03-31 [2022 Fayette County Junior Livestock Show - The Fayette County Record](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNMlNQV255Mlh6MTJrUVlDem5UVlVhOFJvT3ZVbjZJYWhraWNsUDZhdTdxV0hJWWN6RnVadnc3T2NWTVl2WGN4cXhkdVpmZlVJUXFLQnpCVldoS1JGLU04ZklESEhsSTMyajJSWkUxcU5jSllhLUdGdzF0YUMwRVJ2YzdXOHBib3hq?oc=5) · The Fayette County Record
- 2003-05-25 [Leroy Levien Obituary May 25, 2003 - Memorial Oaks Chapel](https://news.google.com/rss/articles/CBMiakFVX3lxTE1LcGJkNFY4eWtOS0FaVVVNeW9YbnRNUEcyRVJaZGM1YXlpUHhRT0MzWHdRMVVscWc1MUcwY1pjcDRlMlBqa25UNThTNlZHckk0TVFZc2t6Nk1reTlwRnRlc215OUt2RFB1UVE?oc=5) · Memorial Oaks Chapel

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19278 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/14.json (key "19278", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide