☰

Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?

Home›
Banks›
Carmine State Bank

iAdvertiser Disclosure

Carmine State Bank Rates & Review September 2026

Q: How many branches does Carmine State Bank operate?

Carmine State Bank currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Carmine State Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Carmine State Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Carmine State Bank rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.85%, 6-month CD rates at 2.75% and 3-month CD rates at 2.56%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not Carmine State Bank, and you can see how they compare in the Carmine State Bank rate tables below. MonitorBankRates evaluates the financial stability of Carmine State Bank with a 4.2 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 2.18%. Database rates last updated and verified on 09/23/2026.

Carmine State Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Carmine State Bank? Share your experience about Carmine State Bank by leaving a review below, or read customer reviews before you decide to use Carmine State Bank.

Overall Health & Safety Grade

A-

Very Good Health Score: 91/100

MonitorBankRates Rating

4.2

Excellent Out of 5.0 Stars

Texas Ratio

2.18%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Carmine State Bank

235 Centennial St
Carmine, TX 78932

https://www.carminestatebank.com

Current Rate Availability

We're not currently displaying rates for Carmine State Bank, but our database is updated constantly, so check back soon for the latest offers.

Are you with Carmine State Bank? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Financial Health History

Carmine State Bank’s Texas Ratio rose from 0.00% in Q3 2023 to 2.18% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 1.2 to 4.2 and its Health Grade from D to A-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$149M	2.18%	4.2	A-
March 31, 2026	$145M	8.76%	3.4	C+
December 31, 2025	$147M	5.54%	3.8	B
September 30, 2025	$144M	6.23%	3.4	B-
June 30, 2025	$135M	7.46%	2.7	C
March 31, 2025	$130M	7.63%	2.8	C
December 31, 2024	$126M	1.51%	3.0	C+
September 30, 2024	$127M	0.00%	4.1	A-
June 30, 2024	$124M	0.49%	3.4	B
March 31, 2024	$124M	3.37%	3.4	B-
December 31, 2023	$120M	0.19%	3.8	B+
September 30, 2023	$115M	0.00%	1.2	D

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Carmine State Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Carmine State Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Carmine State Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Carmine State Bank

FDIC Certificate # 19278

Address 235 Centennial St, Carmine, TX 78932 · Fayette

Website https://www.carminestatebank.com

Established 19070701

FDIC Insurance Date 19641104

Domestic Offices 1

Total Branches 1

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A-

Overall Health Grade Score: 91/100

4.2

Excellent Out of 5.0 Stars

2.18%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0078%

Return on Equity (ROE) 17.3100%

Non-Performing Loans (NPL) 0.14%

Total Assets $148,755,000

Total Deposits $139,210,000

Equity Capital $9,268,000

Net Income $740,000

Headquarters Carmine

Total Branches and Offices 1

Source: FDIC | Last Updated 06/30/2026

Customer Reviews

There are no reviews for Carmine State Bank yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Carmine State Bank

Frequently Asked Questions About Carmine State Bank

How many branches does Carmine State Bank operate?

Carmine State Bank currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Carmine State Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Carmine State Bank provides members with tools to manage their accounts and build a solid financial history.

Does Carmine State Bank offer online and mobile banking?

Most modern institutions like Carmine State Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.carminestatebank.com.