The Bank of San Jacinto County, Coldspring, Texas: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 1.56 percentage points higher than in Q1 2026, at 35.11%. Within Texas, The Bank of San Jacinto County, Coldspring, Texas is 121st of 345 on return on assets, 1.71% as of Q2 2026, above the middle of the field. The Bank of San Jacinto County, Coldspring, Texas's return on assets of 1.71% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 0.73 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 17.77% |
| Equity capital to assets | 15.80% |
| Tangible equity to tangible assets | 15.80% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.83% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.71% |
| Return on equity | 11.33% |
| Net interest margin | 4.80% |
| Efficiency ratio | 67.31% |
| Yield on earning assets | 4.93% |
| Cost of funds | 0.13% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 35.11% |
| Core deposits to total deposits | 97.51% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.16% |
| Securities to assets | 32.19% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 14.53% | 2.36% | 4.94% | 0.18% | -0.07% |
| Q4 2023 | 15.52% | 1.21% | 5.04% | 0.58% | 0.00% |
| Q1 2024 | 14.74% | 2.13% | 5.11% | 0.00% | 0.00% |
| Q2 2024 | 15.11% | 2.15% | 4.89% | 0.00% | 0.00% |
| Q3 2024 | 15.45% | 2.85% | 5.11% | 0.00% | -0.10% |
| Q4 2024 | 15.68% | 1.53% | 5.43% | 0.00% | 0.00% |
| Q1 2025 | 15.65% | 1.63% | 4.67% | 0.00% | 0.00% |
| Q2 2025 | 16.18% | 2.33% | 5.13% | 0.00% | 0.00% |
| Q3 2025 | 17.15% | 2.28% | 4.99% | 0.00% | 0.60% |
| Q4 2025 | 17.46% | 0.17% | 5.01% | 0.00% | 0.00% |
| Q1 2026 | 17.20% | 1.50% | 4.58% | 0.00% | 0.00% |
| Q2 2026 | 17.77% | 1.71% | 4.80% | 0.00% | 0.00% |
The Bank of San Jacinto County, Coldspring, Texas vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of San Jacinto County, Coldspring, Texas, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Bank of San Jacinto County, Coldspring, Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18942) · FFIEC NIC profile (RSSD 678052)