BANK OF SAN JACINTO COUNTY, COLDSPRING, TEXAS, THE

COLDSPRING, TX | Micro | Est. Nov. 9, 1963, midnight | FDIC #18942 | RSSD #678052 | FDIC
Latest Report: 2025-12-31

BANK OF SAN JACINTO COUNTY, COLDSPRING, TEXAS, THE is amn micro FDIC-insured commercial bank headquartered in COLDSPRING, TX, established in Nov. 9, 1963, midnight. As of 2025-12-31, the bank reported total assets of $43M and total deposits of $37M. Profitability stands at 0.17% ROA and 1.15% ROE, with a net interest margin of 5.31%. The bank's CET1 capital ratio is 15.25%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #18942. The institution operates 1 domestic branch.

Assets

$43M

Deposits

$37M

Loans

$13M

Equity

$7M

Profitability

Return on Assets (ROA) 0.17%
Return on Equity (ROE) 1.15%
Net Interest Margin (NIM) 5.31%
Yield on Assets 5.49%
Cost of Funds 0.40%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.16%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.80%

Capital & Liquidity

CET1 Ratio 15.25%
Tier 1 Capital 15.25%
Total Capital Ratio 16.01%
Leverage Ratio 17.46%
Loan-to-Deposit 34.34%

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