PackageTrendsPeer
Letter portraitLegal landscape

Bank of San Jacinto County, Coldspring, Texas, The

Coldspring, TX · Cert 18942 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=21) · Banc San Jacinto Cnty Bancshares

State charter, non-member · FDIC · 1 branch

Q2 2026

$42.0MAssets
$12.4MLoans
$35.3MDeposits
$6.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 5 of 21).
  • Widest gap: return on equity trails 57% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 12 of 21).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.31%

Rank 10 of 21

Net Interest Margin

4.58%

Rank 5 of 21

Efficiency Ratio

68.18%

Rank 11 of 21

Equity / Assets

15.80%

Rank 6 of 21

Non-interest income vs. expense

$0.2M$1.5MINCOMEEXPENSE
Unfavorable gap of $1.3M · efficiency ratio beats 52% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area
Bank 68.18%Peer median 68.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.31%0.77%1.16%1.46%Beats 52%10 / 21
Return on Equity8.29%6.66%8.42%15.66%Beats 43%12 / 21
Net Interest Margin4.58%3.50%3.97%4.41%Beats 76%5 / 21
Efficiency Ratio68.18%59.33%68.18%79.00%Beats 52%11 / 21
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.37%1.25%Beats 100%5 / 21
Net Charge-Offs / Loans0.00%n/a0.01%0.05%Beats 100%9 / 21
Capital
Tier 1 Capital Ratio17.77%12.65%15.76%18.38%Beats 62%8 / 21
Total Risk-Based Capital Ratio17.77%12.65%16.68%19.63%Beats 62%8 / 21
Equity / Assets15.80%9.08%11.30%15.80%Beats 71%6 / 21
Liquidity & Funding
Loans / Deposits35.11%64.96%78.30%90.30%10th pctl19 / 21
Loans / Assets29.54%55.83%65.86%74.20%5th pctl20 / 21
Brokered Deposits / Depositsn/aNot reported for this institution