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Columbus State Bank

$100M-$1B Specialty: Agricultural TX FDIC cert 12305

Columbus, TX

3 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 +12.0% year over year ($281.0M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 0.93%.
  • Efficiency ratio 49.06% vs a 64.48% peer average.
  • Loan-to-deposit ratio 7.78% 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) →

Columbus State Bank has 3 strengths but faces 4 concerns

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

  • + Credit Quality Leader: Top 28.8% in tier
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Efficiency Ratio 15.41% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 49.7% in tier
  • - Net Interest Margin 1.71% below tier average
  • - Non-Interest Income / Assets 0.50% below tier average
  • - ROA 0.39% below tier average
Get updates when Columbus 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 ? $326.5M
+10.8% YoY -3.4% QoQ
-$60.1M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
50%
Total Loans ? $21.9M
+20.4% YoY +8.1% QoQ
-$236.5M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
Bottom 0.7% in tier
Total Deposits ? $281.0M
+12.0% YoY -4.2% QoQ
-$45.8M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
51%
Return on Assets ? 0.93%
-3.9% YoY +16.4% QoQ
-0.39% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
30%
Net Interest Margin ? 2.28%
-9.7% YoY +6.9% QoQ
-1.71% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Bottom 1.7% in tier
Efficiency Ratio ? 49.06%
-8.4% YoY -6.4% QoQ
-15.41% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
Top 15.0% in tier
Delinquency Rate ? 0.00% -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 ? 7.78%
+7.5% YoY +12.8% QoQ
-70.17% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
Top 0.5% in tier
Non-Interest-Bearing Deposit Share ? 29.08%
-9.5% YoY -5.6% QoQ
+7.05% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
79%
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 61.75%
+25.1% YoY +21.7% QoQ
+45.84% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
Top 0.6% in tier
Non-Interest Income / Assets ? 0.06%
-44.9% YoY +120.9% QoQ
-0.50% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
Bottom 8.3% in tier

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 29.1%
-3.0pp YoY
-1.7pp QoQ
 +6.9pp 22.1% 29.2% 22.2% 79%
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 12.7%
+2.0pp YoY
-1.2pp QoQ
 +1.1pp 11.6% 14.8% 12.5% 67%
CRE n/a n/a 39.5% 48.4% 41.4% n/a
1-4 Family 22.0%
-3.6pp YoY
-0.2pp QoQ
 -10.6pp 32.6% 25.8% 31.3% 34%
Consumer 10.9%
+0.6pp YoY
+0.3pp QoQ
 +6.7pp 4.1% 4.7% 5.0% 93%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 61.8%
+12.4pp YoY
+11.0pp QoQ
 +42.9pp 18.8% 22.7% 19.7% 99%
Leverage Ratio 14.5%
-1.9pp YoY
0.0pp QoQ
 +2.3pp 12.2% 12.6% 12.6% 84%
Total Capital Ratio 62.0%
+12.4pp YoY
+11.0pp QoQ
 +42.1pp 19.9% 23.8% 20.8% 99%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 22
+1 (+4.8%) YoY
0 QoQ
 -37 58 186 482 14%
Assets per Employee ($) $14.8M
+5.8% YoY
-3.4% QoQ
 +$7.3M $7.5M $10.1M $8.8M 97%
Branch Count 3
0 YoY
0 QoQ
 -2 4 12 18 26%

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) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 7.1%
+0.1pp YoY
+0.9pp QoQ
 -5.1pp 12.2% 13.2% 11.6% 21%
Cost of Funds (YTD) 0.9%
0.0pp YoY
0.0pp QoQ
 -0.9pp 1.7% 1.6% 1.7% 7%
Net Income ($, YTD) $1.5M
+8.3% YoY
— QoQ
 -$1.0M $2.6M $15.9M $40.4M 42%

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 (1)

Credit Quality Leader

growth
#191 of 659 • Top 28.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk
#370 of 742 • Bottom 49.7% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 61.75%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 7.78%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

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 (6 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
14
Loan-to-Deposit Ratio
liquidity
Value: 7.78%
Peer Median: 77.95%
#14 of 2643 Top 0.5% in $100M-$1B
17
Tier 1 Capital Ratio
capital
Value: 61.75%
Peer Median: 15.91%
#17 of 2643 Top 0.6% in $100M-$1B
397
Efficiency Ratio
profitability
Value: 49.06%
Peer Median: 64.48%
#397 of 2643 Top 15.0% in $100M-$1B
547
Non-Interest-Bearing Deposit Share
funding
Value: 29.08%
Peer Median: 22.03%
#547 of 2643 Top 20.7% in $100M-$1B

Top Weaknesses (3 metrics)

2625
Total Loans
size
Value: $21.85M
Peer Median: $258.35M
#2625 of 2643 Bottom 0.7% in $100M-$1B
2599
Net Interest Margin
profitability
Value: 2.28%
Peer Median: 3.99%
#2599 of 2643 Bottom 1.7% in $100M-$1B
2425
Non-Interest Income / Assets
revenue_mix
Value: 0.06%
Peer Median: 0.57%
#2425 of 2643 Bottom 8.3% in $100M-$1B
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