Coleman, TX · Cert 15480 · Coleman Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Abilene, TX · 2026 SOD (annual) · 1.7% share · #8 of 18 inst. · $0.1B of $5.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.80% | 1.37% | 1.90% | 1.87% | 1.63% | 1.23% | 1.63% | 1.59% | -27 bps | |
| Return on Equity | 21.50% | 15.81% | 21.90% | 23.51% | 19.89% | 13.76% | 18.48% | 18.02% | -548 bps | |
| Net Interest Margin | 4.95% | 5.02% | 5.13% | 5.34% | 5.30% | 4.98% | 4.75% | 5.03% | -31 bps | |
| Efficiency Ratio | 56.25% | 67.36% | 57.34% | 51.84% | 58.78% | 70.23% | 59.45% | 60.94% | +910 bps | |
| Non-Interest Burden | 2.46% | 3.13% | 2.63% | 2.42% | 2.78% | 3.24% | 2.60% | 2.81% | +39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.18% | 6.92% | 8.11% | 37.54% | 32.90% | 36.39% | 31.81% | 3.03% | -3,451 bps | |
| Loan Growth (YoY) | 26.02% | 17.87% | 11.77% | 15.59% | 15.65% | 9.79% | 18.57% | 9.74% | -586 bps | |
| Deposit Growth (YoY) | 8.22% | 6.36% | 7.49% | 38.56% | 32.44% | 36.47% | 31.97% | 1.74% | -3,682 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.12% | 0.13% | 0.47% | 0.41% | 0.09% | 0.08% | 0.05% | 0.05% | -36 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.08% | 0.02% | 0.02% | 0.05% | 0.01% | 0.02% | 0.02% | 0 bps | |
| Allowance / Loans | 1.00% | 1.05% | 0.98% | 0.95% | 0.93% | 1.02% | 0.94% | 0.98% | +3 bps | |
| Allowance Coverage of NPLs | 8.2x | 8.3x | 2.1x | 2.3x | 10.3x | 12.4x | 18.0x | 19.9x | +17.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.28% | 9.45% | 9.51% | 8.86% | 9.13% | 8.24% | 8.42% | 8.56% | -30 bps | |
| Total Risk-Based Capital | 14.26% | 14.56% | 14.80% | 12.59% | 13.91% | 13.98% | 13.53% | 13.89% | +130 bps | |
| Equity / Assets | 8.59% | 8.69% | 8.64% | 7.42% | 8.99% | 8.82% | 8.82% | 8.87% | +145 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.61% | 76.89% | 73.55% | 61.35% | 67.77% | 61.86% | 66.09% | 66.17% | +482 bps | |
| Liquid Assets / Assets | 4.95% | 4.10% | 10.01% | 15.34% | 10.25% | 12.73% | 7.77% | 8.37% | -697 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 301% | 298% | 288% | n/a | n/a | |