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First State Bank, The

Columbus, TX · Cert 12315 · Columbus Bcorp Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$154.6MAssets
$48.4MLoans
$133.6MDeposits
$20.5MEquity
Loan mix
75%RE $32.1M16%C&I $6.7M9%Consumer $3.8MQ3 2024Q2 2026
Deposit mix
55%Interest-bearing $73.0M45%Noninterest $60.7MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.83%, up 6 bps year over year; NIM at 2.95%.
  • Asset quality: problem loans at 0.00% of loans (-12 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 16.34%, down 1 bps from a year ago.
  • Funding: loans stand at 36.25% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.83%+6 bps YoY

Net Interest Margin (YTD, annualized)

2.95%+19 bps YoY

Efficiency Ratio (YTD, annualized)

68.11%-125 bps YoY

Tier 1 Leverage Ratio

16.34%-1 bps YoY

NIM

3.65%Q2 ’243.75%Q2 ’253.80%Q2 ’26+8%+7%

Non-interest income vs. expense

2.01%Q2 ’242.10%Q2 ’252.17%Q2 ’26+5%+5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.52%0.80%0.76%0.78%0.76%0.89%0.83%+6 bps
Return on Equity6.58%4.86%7.14%6.66%6.58%6.29%6.85%6.33%-33 bps
Net Interest Margin2.59%2.61%2.72%2.76%2.80%2.84%2.96%2.95%+19 bps
Efficiency Ratio70.22%70.73%67.67%69.36%68.45%69.74%66.04%68.11%-125 bps
Non-Interest Burden1.74%1.77%1.75%1.84%1.84%1.91%1.87%1.93%+10 bps
Growth
Asset Growth (YoY)0.14%-0.92%1.08%0.17%1.36%7.27%6.12%8.33%+816 bps
Loan Growth (YoY)-8.46%-5.68%-4.21%-2.10%-0.06%-0.71%4.50%0.85%+295 bps
Deposit Growth (YoY)-3.52%-1.90%-0.49%-1.68%0.14%4.97%4.33%8.68%+1,035 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.13%0.13%0.12%0.00%0.12%0.14%0.00%-12 bps
Net Charge-Offs / Loans0.10%0.74%-0.04%-0.03%-0.03%0.00%0.02%0.02%+6 bps
Allowance / Loans0.74%0.74%0.77%0.75%0.77%0.77%0.75%0.73%-1 bps
Allowance Coverage of NPLs8.0x5.8x5.8x6.1x183.5x6.6x5.3xn/an/a
Capital
Tier 1 Leverage Ratio15.85%15.88%16.20%16.36%16.70%16.76%16.25%16.34%-1 bps
Total Risk-Based Capital34.83%15.88%16.20%16.36%16.70%16.76%16.25%16.34%-1 bps
Equity / Assets12.17%10.98%11.42%12.04%13.22%12.93%12.95%13.25%+121 bps
Liquidity & Funding
Loans / Deposits37.82%37.23%35.94%39.06%37.75%35.21%36.00%36.25%-281 bps
Liquid Assets / Assets8.67%7.90%11.18%10.52%11.02%16.95%16.92%19.12%+860 bps
CRE / Total Capitaln/an/an/an/a44.54%46.88%43.46%n/an/a