COLUMBUS STATE BANK

COLUMBUS, TX | Small | Est. Aug. 19, 1919, midnight | FDIC #12305 | RSSD #891253 | FDIC
Latest Report: 2025-12-31

COLUMBUS STATE BANK is asn small FDIC-insured commercial bank headquartered in COLUMBUS, TX, established in Aug. 19, 1919, midnight. As of 2025-12-31, the bank reported total assets of $333M and total deposits of $289M. Profitability stands at 0.88% ROA and 6.33% ROE, with a net interest margin of 2.57%. The bank's CET1 capital ratio is 50.56%, 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 #12305.

Assets

$333M

Deposits

$289M

Loans

$20M

Equity

$43M

Profitability

Return on Assets (ROA) 0.88%
Return on Equity (ROE) 6.33%
Net Interest Margin (NIM) 2.57%
Yield on Assets 3.48%
Cost of Funds 0.97%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.03%

Capital & Liquidity

CET1 Ratio 50.56%
Tier 1 Capital 50.56%
Total Capital Ratio 50.78%
Leverage Ratio 14.51%
Loan-to-Deposit 6.80%

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