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Coleman County State Bank

Coleman, TX · Cert 15480 · Coleman Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$295.1MAssets
$176.7MLoans
$267.1MDeposits
$26.2MEquity
Loan mix
89%RE $143.8M8%C&I $12.9M3%Consumer $5.0MQ2 2025Q2 2026
Deposit mix
64%Interest-bearing $170.8M36%Noninterest $96.3MQ2 2025Q2 2026

NIM

6.06%Q2 ’246.47%Q2 ’256.03%Q2 ’26+15%-5%

Non-interest income vs. expense

3.42%Q2 ’243.19%Q2 ’253.29%Q2 ’26-11%+9%

Market Position · Abilene, TX · 2026 SOD (annual) · 1.7% share · #8 of 18 inst. · $0.1B of $5.5B

65.3% Coleman
1.8% Taylor
0.2% Tom Green

Executive Summary

  • Earnings: ROA of 1.61%, down 23 bps year over year; NIM at 4.86%.
  • Asset quality: problem loans at 0.05% of loans (-36 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 8.56%, down 30 bps from a year ago.
  • Funding: loans stand at 66.17% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.61%-23 bps YoY

Net Interest Margin (YTD, annualized)

4.86%-26 bps YoY

Efficiency Ratio (YTD, annualized)

60.22%+572 bps YoY

Tier 1 Leverage Ratio

8.56%-30 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.84%1.79%1.65%1.63%1.61%-23 bps
Return on Equity22.57%21.36%19.41%18.48%18.22%-435 bps
Net Interest Margin5.12%4.78%4.46%4.75%4.86%-26 bps
Efficiency Ratio54.50%56.09%60.09%59.45%60.22%+572 bps
Non-Interest Burden2.46%2.38%2.41%2.60%2.69%+23 bps
Growth
Asset Growth (YoY)37.54%32.90%36.39%31.81%3.03%-3,451 bps
Loan Growth (YoY)15.59%15.65%9.79%18.57%9.74%-586 bps
Deposit Growth (YoY)38.56%32.44%36.47%31.97%1.74%-3,682 bps
Asset Quality
Nonperforming Loans / Loans0.41%0.09%0.08%0.05%0.05%-36 bps
Net Charge-Offs / Loans0.02%0.03%0.03%0.02%0.02%0 bps
Allowance / Loans0.95%0.93%1.02%0.94%0.98%+3 bps
Allowance Coverage of NPLs2.3x10.3x12.4x18.0x19.9x+17.6x
Capital
Tier 1 Leverage Ratio8.86%9.13%8.24%8.42%8.56%-30 bps
Total Risk-Based Capital12.59%13.91%13.98%13.53%13.89%+130 bps
Equity / Assets7.42%8.99%8.82%8.82%8.87%+145 bps
Liquidity & Funding
Loans / Deposits61.35%67.77%61.86%66.09%66.17%+482 bps
Liquid Assets / Assets15.34%10.25%12.73%7.77%8.37%-697 bps
CRE / Total Capitaln/a301%298%288%n/an/a