The Bank of San Jacinto County, Coldspring, Texas
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Data as of · sourced from FFIEC call reports. How we update
The Bank of San Jacinto County, Coldspring, Texas is an FDIC-insured commercial bank headquartered in Coldspring, TX, supervised by the FDIC, with $42.0M in total assets at Q2 2026, down 5.3% from Q2 2025, the 342nd largest of 346 banks headquartered in Texas. It was established in 1963 and holds FDIC certificate 18942. It reports no CET1 ratio; its Tier 1 leverage ratio was 17.77% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 18942
- Headquarters
- Coldspring, TX
- Established
- 1963
- Total assets, Q2 2026
- $42.0M
- Assets vs Q2 2025
- -5.3%
- Tier 1 leverage ratio, Q2 2026
- 17.77%
- Domestic offices
- 1 · The Bank of San Jacinto County, Coldspring, Texas branches FDIC institution directory, current count
- Routing number
- 113101524
- Safety and soundness
- Is The Bank of San Jacinto County, Coldspring, Texas safe?
- Latest call report
- Q2 2026, FFIEC 051 · The Bank of San Jacinto County, Coldspring, Texas Q3 2026 call report, filed October 9, 2026 (preliminary)
- Holding company
- BANC OF SAN JACINTO COUNTY BANCSHARES, INC., THE
- Asset rank in state
- 342nd of 346 in Texas
The Bank of San Jacinto County, Coldspring, Texas, based in Coldspring, Texas, reported $42 million in assets at June 30, 2026, down 5.3% from a year earlier. It pays an average of 0.13% on its deposits and borrowings, a small fraction of the median of 1.53% for the 533 banks with less than $100 million in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 1.9%).
Net income for the quarter slipped 29% from a year earlier, to $186,000.
As of June 30, 2026, The Bank of San Jacinto County, Coldspring, Texas reported a return on assets of 1.71%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
The Bank of San Jacinto County, Coldspring, Texas ranks as the 342nd largest of the 346 banks based in Texas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 6.0% to $42.0M, loans fell 3.0% and deposits fell 7.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 71.1% of total loans, ahead of non-owner-occupied commercial real estate loans at 9.2%. The FDIC Summary of Deposits lists a single office for it, in Coldspring, TX. On its Q2 2026 call report, The Bank of San Jacinto County, Coldspring, Texas meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 100 Hwy 150, Coldspring, TX 77331
- County
- San Jacinto
- Metro Area
- Houston-Pasadena-The Woodlands, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 9, 1963
- Former names
- The Bank of San Jacinto County, Coldspring, Texas (1970)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 12
- Domestic deposits
- $35.3M
- Allowance for credit losses
- $227K
- Net charge-offs (YTD)
- $0
- Average total assets
- $43.4M
- Average total loans
- $12.5M
- Average interest-bearing deposits
- $17.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 9, 1963
- FDIC Cert
- 18942
- Fed RSSD
- 678052
- Website
- www.banksjc.com →
- Parent Holding Company
- BANC OF SAN JACINTO COUNTY BANCSHARES, INC., THE (RSSD 1107456)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Bank of San Jacinto County, Coldspring, Texas reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Bank of San Jacinto County, Coldspring, Texas's total assets ran between $42.0M (Q2 2026) and $46.2M (Q1 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$42.0M total assets against $44.3M; $35.3M total liabilities against $38.3M.
$12.2M net loans and leases against $13.0M; $35.3M total deposits against $38.3M.
$13.5M securities against $16.6M; $15.6M cash and balances due against $14.2M.
$522K total interest income against $596K; $14K total interest expense against $19K.
$508K net interest income against $577K.
$61K total noninterest income against $82K; $383K total noninterest expense against $396K.
No provision recorded in the last 12 quarters.
$186K net income against $263K.
1.71% return on assets against 2.33%; 4.80% net interest margin against 5.13%.
17.77% tier 1 leverage ratio against 16.18%.
Inside the full The Bank of San Jacinto County, Coldspring, Texas terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Bank of San Jacinto County, Coldspring, Texas rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.17% (Q4 2025) to 2.85% (Q3 2024) and its net interest margin ran from 4.58% (Q1 2026) to 5.43% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.77% | 1.71% | 0.00% | 0.00% | 4.80% |
| Q1 2026 | 17.20% | 1.50% | 0.00% | 0.00% | 4.58% |
| Q4 2025 | 17.46% | 0.17% | 0.00% | 0.00% | 5.01% |
| Q3 2025 | 17.15% | 2.28% | 0.00% | 0.00% | 4.99% |
| Q2 2025 | 16.18% | 2.33% | 0.00% | 0.00% | 5.13% |
| Q1 2025 | 15.65% | 1.63% | 0.00% | 1.25% | 4.67% |
| Q4 2024 | 15.68% | 1.53% | 0.00% | 1.32% | 5.43% |
| Q3 2024 | 15.45% | 2.85% | 0.00% | 1.22% | 5.11% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Bank of San Jacinto County, Coldspring, Texas | Coldspring , TX | 77331 | $35.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 429 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $150K approved, $75K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1996 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Bank of San Jacinto County, Coldspring, Texas
What are The Bank of San Jacinto County, Coldspring, Texas's total assets?
As of the Q2 2026 filing, The Bank of San Jacinto County, Coldspring, Texas reported total assets of $42.0 million in its FFIEC call report.
Where is The Bank of San Jacinto County, Coldspring, Texas headquartered?
It is headquartered in Coldspring, TX, United States.
When was The Bank of San Jacinto County, Coldspring, Texas founded?
It was established in 1963, per the FDIC institution directory.
Is The Bank of San Jacinto County, Coldspring, Texas FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18942). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bank of San Jacinto County, Coldspring, Texas?
The Bank of San Jacinto County, Coldspring, Texas's primary federal regulator is the FDIC.
How many branches does The Bank of San Jacinto County, Coldspring, Texas operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bank of San Jacinto County, Coldspring, Texas's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was The Bank of San Jacinto County, Coldspring, Texas previously called?
The charter now named The Bank of San Jacinto County, Coldspring, Texas has also operated as The Bank of San Jacinto County, Coldspring, Texas (1970), per FDIC structure-change records.
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