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Coleman County State Bank

$100M-$1B Specialty: Commercial TX FDIC cert 15480

Coleman, TX

7 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 +1.7% year over year ($267.1M on the books).
  • Delinquency rate 0.05%.
  • Return on assets 2.05%.
  • Efficiency ratio 60.22% vs a 64.48% peer average.
  • Loan-to-deposit ratio 65.52% 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) →

Coleman County State Bank has 4 strengths but faces 2 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

  • + Deposit Franchise: Top 18.7% in tier
  • + ROA 0.73% above tier average
  • + Efficiency Ratio 4.26% below tier average
  • + Delinquency Rate 0.87% below tier average

Key Concerns

Areas that may need attention

  • - Cost Spiral: Bottom 24.6% in tier
  • - Margin Compression: Bottom 74.6% in tier
Get updates when Coleman County 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 ? $295.1M
+3.0% YoY +1.3% QoQ
-$91.4M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
45%
Total Loans ? $175.0M
+9.7% YoY +1.2% QoQ
-$83.3M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
42%
Total Deposits ? $267.1M
+1.7% YoY +1.1% QoQ
-$59.7M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
48%
Return on Assets ? 2.05%
-12.5% YoY -1.1% QoQ
+0.73% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
Top 12.1% in tier
Net Interest Margin ? 5.19%
+2.0% YoY +3.4% QoQ
+1.21% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Top 5.7% in tier
Efficiency Ratio ? 60.22%
+10.5% YoY +1.3% QoQ
-4.26% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
56%
Delinquency Rate ? 0.05%
-88.0% YoY -5.5% QoQ
-0.87% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
79%
Loan-to-Deposit Ratio ? 65.52%
+7.8% YoY +0.1% QoQ
-12.43% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
76%
Non-Interest-Bearing Deposit Share ? 36.05%
+9.7% YoY +4.2% QoQ
+14.02% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 8.7% in tier
Nonperforming Asset Ratio ? 0.03%
-87.2% YoY -5.6% QoQ
-0.64% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
82%
Tier 1 Capital Ratio ? 12.90%
+11.1% YoY +2.6% QoQ
-3.00% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
46%
Non-Interest Income / Assets ? 0.30%
+2.8% YoY +110.8% QoQ
-0.27% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
72%

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 36.0%
+3.2pp YoY
+1.4pp QoQ
 +13.9pp 22.1% 29.2% 22.2% 91%
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 8.1%
-2.8pp YoY
+0.6pp QoQ
 -3.5pp 11.6% 14.8% 12.5% 41%
CRE 38.6%
-0.6pp YoY
-1.3pp QoQ
 -0.9pp 39.5% 48.4% 41.4% 50%
1-4 Family 29.6%
+0.6pp YoY
+2.0pp QoQ
 -3.1pp 32.6% 25.8% 31.3% 50%
Consumer 2.8%
+0.6pp YoY
-0.1pp QoQ
 -1.3pp 4.1% 4.7% 5.0% 58%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 12.9%
+1.3pp YoY
+0.3pp QoQ
 -5.9pp 18.8% 22.7% 19.7% 26%
Leverage Ratio 8.6%
-0.3pp YoY
+0.1pp QoQ
 -3.6pp 12.2% 12.6% 12.6% 7%
Total Capital Ratio 13.9%
+1.3pp YoY
+0.4pp QoQ
 -6.0pp 19.9% 23.8% 20.8% 25%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 58
+3 (+5.5%) YoY
+4 (+7.4%) QoQ
 -1 58 186 482 61%
Assets per Employee ($) $5.1M
-2.3% YoY
-5.7% QoQ
 -$2.4M $7.5M $10.1M $8.8M 16%
Branch Count 7
0 YoY
0 QoQ
 +2 4 12 18 75%

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 0.0%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 1.0% 1.0% 12%
Allowance Coverage 19.91x
+761.9% YoY
+10.9% QoQ
 -4.25x 24.15x 18.82x 20.23x 88%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 55%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 23.2%
-5.5pp YoY
-0.3pp QoQ
 +11.0pp 12.2% 13.2% 11.6% 94%
Cost of Funds (YTD) 1.3%
-0.1pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.6% 1.7% 24%
Net Income ($, YTD) $3.0M
+6.5% YoY
— QoQ
 +$441K $2.6M $15.9M $40.4M 70%

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)

Deposit Franchise

growth
#53 of 278 • Top 18.7% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 36.05%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.19%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (2)

Cost Spiral

risk
#35 of 138 • Bottom 24.6% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 60.22%
(Tier: 64.48%, National: 70.05%)
better than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ

Margin Compression

decline
#230 of 307 • Bottom 74.6% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 2.05%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank improving

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)

152
Net Interest Margin
profitability
Value: 5.19%
Peer Median: 3.99%
#152 of 2643 Top 5.7% in $100M-$1B
230
Non-Interest-Bearing Deposit Share
funding
Value: 36.05%
Peer Median: 22.03%
#230 of 2643 Top 8.7% in $100M-$1B
322
Return on Assets
profitability
Value: 2.05%
Peer Median: 1.32%
#322 of 2643 Top 12.1% in $100M-$1B
470
Nonperforming Asset Ratio
credit_quality
Value: 0.03%
Peer Median: 0.67%
#470 of 2643 Top 17.7% in $100M-$1B
550
Delinquency Rate
credit_quality
Value: 0.05%
Peer Median: 0.92%
#550 of 2633 Top 20.9% in $100M-$1B
639
Loan-to-Deposit Ratio
liquidity
Value: 65.52%
Peer Median: 77.95%
#639 of 2643 Top 24.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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