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Bank of San Jacinto County, Coldspring, Texas, The

Coldspring, TX · Cert 18942 · Banc San Jacinto Cnty Bancshares

State charter, non-member · FDIC · 1 branch

Q2 2026

$42.0MAssets
$12.4MLoans
$35.3MDeposits
$6.6MEquity
Loan mix
87%RE $11.2M7%C&I $0.8M6%Consumer $0.8MQ2 2025Q2 2026
Deposit mix
33%Interest-bearing $11.5M67%Noninterest $23.8MQ2 2025Q2 2026

NIM

5.13%Q2 ’245.01%Q2 ’254.70%Q2 ’26-2%-6%

Non-interest income vs. expense

3.61%Q2 ’243.60%Q2 ’253.46%Q2 ’26+2%+3%

Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.0% share · #93 of 107 inst. · $0.0B of $360.4B

Executive Summary

  • Earnings: ROA of 1.27%, down 30 bps year over year; NIM at 4.58%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 17.77%, up 159 bps from a year ago.
  • Funding: loans stand at 35.11% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.27%-30 bps YoY

Net Interest Margin (YTD, annualized)

4.58%-28 bps YoY

Efficiency Ratio (YTD, annualized)

68.18%+360 bps YoY

Tier 1 Leverage Ratio

17.77%+159 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.56%1.64%1.28%1.17%1.27%-30 bps
Return on Equity12.28%12.35%9.33%7.85%8.34%-395 bps
Net Interest Margin4.85%4.94%4.99%4.43%4.58%-28 bps
Efficiency Ratio64.58%62.80%71.11%69.11%68.18%+360 bps
Non-Interest Burden2.87%2.83%3.33%2.93%2.96%+9 bps
Growth
Asset Growth (YoY)-2.68%-3.60%-1.86%-3.46%-5.32%-264 bps
Loan Growth (YoY)4.51%8.14%0.19%3.15%-6.43%-1,094 bps
Deposit Growth (YoY)-5.37%-5.74%-5.21%-5.82%-7.80%-243 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.20%0.16%0.00%0.00%0 bps
Allowance / Loans1.86%1.67%1.80%1.78%1.83%-3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio16.18%17.15%17.46%17.20%17.77%+159 bps
Total Risk-Based Capital16.18%17.15%17.46%17.20%17.77%+159 bps
Equity / Assets13.53%15.07%15.25%14.58%15.80%+227 bps
Liquidity & Funding
Loans / Deposits34.59%36.79%34.34%33.54%35.11%+52 bps
Liquid Assets / Assets28.17%27.31%30.78%33.50%34.34%+616 bps
CRE / Total Capitaln/a22.70%23.40%23.79%n/an/a