COLEMAN COUNTY STATE BANK

COLEMAN, TX | Small | Est. Oct. 15, 1936, midnight | FDIC #15480 | RSSD #761954 | FDIC
Latest Report: 2025-12-31

COLEMAN COUNTY STATE BANK is asn small FDIC-insured commercial bank headquartered in COLEMAN, TX, established in Oct. 15, 1936, midnight. As of 2025-12-31, the bank reported total assets of $290M and total deposits of $262M. Profitability stands at 1.59% ROA and 17.83% ROE, with a net interest margin of 5.31%. The bank's CET1 capital ratio is 12.99%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.06% and a Texas Ratio of 0.36%. FDIC Certificate #15480.

Assets

$290M

Deposits

$262M

Loans

$162M

Equity

$26M

Profitability

Return on Assets (ROA) 1.59%
Return on Equity (ROE) 17.83%
Net Interest Margin (NIM) 5.31%
Yield on Assets 6.85%
Cost of Funds 1.56%

Asset Quality

NPL Ratio 0.06%
Net Charge-Off Ratio 0.03%
Texas Ratio 0.36%
NPA Ratio 0.03%
ACL / Loans 1.02%

Capital & Liquidity

CET1 Ratio 12.99%
Tier 1 Capital 12.99%
Total Capital Ratio 13.99%
Leverage Ratio 8.25%
Loan-to-Deposit 61.86%

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