Coleman County State Bank
Coleman, TX · Cert 15480 · Peer group: banks under $1B in assets in TX (n=208-211) · Coleman Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
$295.1MAssets
$176.7MLoans
$267.1MDeposits
$26.2MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 91% of banks under $1B in assets in TX (rank 19 of 211).
- Widest gap: equity / assets trails 82% of banks under $1B in assets in TX (rank 174 of 211).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.59%
Rank 58 of 211
Net Interest Margin
4.86%
Rank 19 of 211
Efficiency Ratio
60.64%
Rank 90 of 211
Equity / Assets
8.87%
Rank 174 of 211
Non-interest income vs. expense
Unfavorable gap of $7.8M · efficiency ratio beats 58% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.59% | 0.87% | 1.20% | 1.65% | Beats 73% | 58 / 211 | |
| Return on Equity | 17.98% | 7.52% | 11.67% | 14.58% | Beats 90% | 21 / 211 | |
| Net Interest Margin | 4.86% | 3.28% | 3.82% | 4.31% | Beats 91% | 19 / 211 | |
| Efficiency Ratio | 60.64% | 53.01% | 64.18% | 73.65% | Beats 58% | 90 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.01% | 0.30% | 1.10% | Beats 68% | 68 / 208 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.06% | Beats 49% | 108 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 12.90% | 11.72% | 14.45% | 19.57% | Beats 40% | 127 / 211 | |
| Total Risk-Based Capital Ratio | 13.89% | 11.94% | 14.78% | 20.30% | Beats 43% | 121 / 211 | |
| Equity / Assets | 8.87% | 9.41% | 11.06% | 12.94% | Beats 18% | 174 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 66.17% | 45.39% | 66.56% | 82.03% | 49th pctl | 106 / 208 | |
| Loans / Assets | 59.88% | 39.13% | 56.90% | 70.46% | 56th pctl | 92 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |