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Colonial Savings, F.A.

$100M-$1B Specialty: Other TX FDIC cert 31361

Fort Worth, TX

7 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

Colonial Savings, F.A. has 1 strength but faces 7 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

  • + Delinquency Rate 0.54% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 1.2% in tier
  • - NIB Deposit Bleed: Bottom 13.1% in tier
  • - Efficiency Drag: Bottom 13.3% in tier
  • - Liquidity Overhang: Bottom 45.9% in tier
  • - Return on Assets 4.09% below tier average
  • - Non-Interest Income / Assets 0.46% below tier average
  • - Net Interest Margin 0.66% below tier average
Get updates when Colonial Savings, F.A. releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $527.9M
-47.5% YoY -21.8% QoQ
+$141.8M $386.1M
+0.5% YoY
$2.3B
+1.1% YoY
$6.2B
+9.1% YoY
75%
Total Loans ? $107.3M
-84.5% YoY +24.3% QoQ
-$148.4M $255.7M
+1.1% YoY
$1.1B
+10.2% YoY
$3.2B
+10.8% YoY
22%
Total Deposits ? $272.8M
-54.3% YoY -32.8% QoQ
-$55.2M $328.0M
+0.1% YoY
$1.9B
+3.3% YoY
$4.8B
+8.2% YoY
50%
Return on Assets ? -2.82%
-874.5% YoY -970.2% QoQ
-4.09% 1.27%
+12.9% YoY
1.40%
+10.3% YoY
1.23%
+13.4% YoY
Bottom 0.5% in tier
Net Interest Margin ? 3.27%
+60.3% YoY +10.1% QoQ
-0.66% 3.93%
+6.0% YoY
4.03%
+2.6% YoY
3.89%
+5.7% YoY
20%
Efficiency Ratio ? 209.02%
+128.1% YoY +278.3% QoQ
+143.74% 65.29%
-4.5% YoY
63.18%
-2.3% YoY
66.95%
-4.1% YoY
Bottom 0.3% in tier
Delinquency Rate ? 0.35%
-93.0% YoY
-0.54% 0.89%
+18.8% YoY
0.96%
+36.6% YoY
0.95%
+18.8% YoY
54%
Loan-to-Deposit Ratio ? 39.35%
-66.1% YoY +84.9% QoQ
-37.29% 76.64%
+0.8% YoY
67.20%
-0.8% YoY
76.70%
+0.9% YoY
Top 4.2% in tier
Non-Interest-Bearing Deposit Share ? 13.90%
-73.2% YoY -63.3% QoQ
-8.12% 22.02%
-1.0% YoY
29.02%
-1.0% YoY
22.01%
-1.2% YoY
20%
Nonperforming Asset Ratio ? 0.08%
-97.6% YoY +785.0% QoQ
-0.56% 0.64%
+19.7% YoY
0.62%
+31.5% YoY
0.67%
+19.3% YoY
73%
Tier 1 Capital Ratio ? 174.41%
+682.1% YoY -8.0% QoQ
+158.58% 15.83%
+1.5% YoY
18.04%
+0.0% YoY
17.06%
+0.8% YoY
Top 0.2% in tier
Non-Interest Income / Assets ? -0.18%
-130.6% YoY -102.0% QoQ
-0.46% 0.28%
+9.3% YoY
0.20%
+4.0% YoY
0.32%
+4.1% YoY
Bottom 0.1% in tier

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 (0)

No matched strength signatures this quarter

Concerns (4)

Deposit Outflow

decline
#7 of 506 • Bottom 1.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally
→ Stable -8 banks QoQ

NIB Deposit Bleed

decline
#27 of 198 • Bottom 13.1% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 13.90%
(Tier: 22.02%, National: 22.01%)
worse than tier avg
198 of 198 Community banks match · 238 nationally
↓ Shrinking -31 banks QoQ

Efficiency Drag

risk
#56 of 414 • Bottom 13.3% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 209.02%
(Tier: 65.29%, National: 66.95%)
worse than tier avg
414 of 414 Community banks match · 492 nationally
→ Stable

Liquidity Overhang

risk
#340 of 739 • Bottom 45.9% 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: 174.41%
(Tier: 15.83%, National: 17.06%)
better than tier avg
Loan-to-Deposit Ratio: 39.35%
(Tier: 76.64%, National: 76.70%)
better than tier avg
739 of 739 Community banks match · 939 nationally
→ Stable +13 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 2664 peers in $100M-$1B

Top Strengths (2 metrics)

5
Tier 1 Capital Ratio
capital
Value: 174.41%
Peer Median: 15.83%
#5 of 2664 Top 0.2% in $100M-$1B
112
Loan-to-Deposit Ratio
liquidity
Value: 39.35%
Peer Median: 76.64%
#112 of 2664 Top 4.2% in $100M-$1B

Top Weaknesses (6 metrics)

2663
Non-Interest Income / Assets
revenue_mix
Value: -0.18%
Peer Median: 0.28%
#2663 of 2664 Bottom 0.1% in $100M-$1B
2658
Efficiency Ratio
profitability
Value: 209.02%
Peer Median: 65.29%
#2658 of 2664 Bottom 0.3% in $100M-$1B
2652
Return on Assets
profitability
Value: -2.82%
Peer Median: 1.27%
#2652 of 2664 Bottom 0.5% in $100M-$1B
2128
Non-Interest-Bearing Deposit Share
funding
Value: 13.90%
Peer Median: 22.02%
#2128 of 2664 Bottom 20.2% in $100M-$1B
2119
Net Interest Margin
profitability
Value: 3.27%
Peer Median: 3.93%
#2119 of 2664 Bottom 20.5% in $100M-$1B
2083
Total Loans
size
Value: $107.33M
Peer Median: $255.72M
#2083 of 2664 Bottom 21.8% in $100M-$1B
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