Carmine State Bank

235 Centennial Street
Carmine, TX 78932

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 19278
Date Established 1907
Assets $0.08 billion
Loans $0.02 billion
Deposits $0.07 billion
Capital $0.01 billion

Carmine State Bank is an FDIC insured institution located in Carmine, TX. It was founded in 1907 and has approximately $0.08 billion in assets.

For a more detailed analysis of Carmine State Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Carmine State Bank’s loan portfolio are 1-4 Family Residential Loans, Consumer Auto Loans, and Commercial and Industrial Loans.

Compared to other banks in Texas, Carmine State Bank has a significantly higher percent of Consumer Auto Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 36.46
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 10.23
Small Business Loans 0.00
Construction and Development Loans 0.47
Commercial Real Estate 5.98
Commercial and Industrial Loans 9.76
Farm Loans 5.81

Deposit Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
6 Mo CD 10K
0.65% $500 - Learn MoreShow Less
Savings Rates APY MIN MAX
Variable IRA Rates APY MIN MAX
Var IRA 0K
1.10% $500 $99,999 Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.20% $1 $4,999 Learn MoreShow Less
MM 10K
0.25% $5,000 $19,999 Learn MoreShow Less
MM 25K
0.30% $20,000 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Carmine State Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
3.930% 3.875% 0.25 $1,787 $1,176 Learn More
CapWest Home Loans
NMLS ID: 6521
4.284% 4.250% 0.00 $997 $1,230 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.490% $224.24 Learn More
Flagstar Bank 5.240% $275.79 Learn More

Note to Carmine State Bank
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Branches

Carmine State Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Carmine State Bank Locations

Financial Details

Carmine State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Carmine State Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Carmine State Bank U.S. Bank Average
0.45% 8.32%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2017, Carmine State Bank had $44,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $9,700,000 in equity and $160,000 in loans loss reserves. That gives it a Texas Ratio of 0.45%.

Return on Equity
Carmine State Bank U.S. Bank Average
7.08% 8.84%

Carmine State Bank has a Return on Equity of 7.08% versus the BestCashCow average of 8.84%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Carmine State Bank U.S. Bank Average
12.84% 12.21%

Carmine State Bank has a Capitalization of 12.84% versus the BestCashCow average of 12.21. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Carmine State Bank Balance Sheet Analysis

As of September 30, 2017, Carmine State Bank had assets of $75,518,000, loans of $20,374,000, and deposits of $65,639,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About Carmine State Bank

Branches and Savings

Is Carmine State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #19278.

Why does Carmine State Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Carmine State Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Carmine State Bank a commercial bank?

Yes

Where are Carmine State Bank locations?

See branch locations nearby.

Is Carmine State Bank open on Saturdays?

Is Carmine State Bank open on Sundays?

What time does Carmine State Bank open?

What time does Carmine State Bank close?

Are Carmine State Bank ATMs Open 24/7?

Do Carmine State Bank ATMs accept cash deposits?

Can Carmine State Bank customers use other ATMs?

Do Carmine State Bank branches have notaries?

Will Carmine State Bank notarize my document?

What address for Carmine State Bank should I put for incoming ACH transfers?

Will the Carmine State Bank branch print checks?

Do Carmine State Bank checks expire?

Does Carmine State Bank require US citizenship to open account?

Can Carmine State Bank close my account?

Does Carmine State Bank Report to credit bureaus?

Does Carmine State Bank Use Equifax?

What is Carmine State Bank's ACH Routing Number?

What is Carmine State Bank's SWIFT code?

Products

Does Carmine State Bank offer mortgages?

Compare mortgage rates here.

Does Carmine State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Carmine State Bank offer personal loans?

Compare personal loan rates here.

Does Carmine State Bank offer student loans?

Will Carmine State Bank cash a check?

Will Carmine State Bank redeem a savings bond?

Does Carmine State Bank cash savings bonds?

Will Carmine State Bank cash money orders?

Can Carmine State Bank issue a money order?

Does Carmine State Bank do currency exchange?

Background on The Bank

Who owns Carmine State Bank?

How long has Carmine State Bank been around?

Can Carmine State Bank transfer to other banks?

Does Carmine State Bank have quick pay?

Does Carmine State Bank accept rolled coins?

Will Carmine State Bank accept loose change?

Where is Carmine State Bank headquarters?

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