Coleman County State Bank
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Data as of · sourced from FFIEC call reports. How we update
Coleman County State Bank is an FDIC-insured commercial bank headquartered in Coleman, TX, established in 1936 (FDIC certificate 15480), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $295.1M, up 3.0% from Q2 2025, the 216th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 12.90% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15480
- Headquarters
- Coleman, TX
- Established
- 1936
- Total assets, Q2 2026
- $295.1M
- Assets vs Q2 2025
- +3.0%
- CET1 ratio, Q2 2026
- 12.90%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 111321814
- Holding company
- COLEMAN BANCSHARES, INC.
- Asset rank in state
- 216th of 346 in Texas
Coleman County State Bank is one of the more profitable banks of its size. Its balance sheet stood at $295 million at June 30, 2026, up 3.0% from a year earlier; it is based in Coleman, Texas. It returns 23.0% a year on shareholders' equity, about double the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 5.58 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.95 cents).
Its $25 million non-owner-occupied commercial real estate book is now fully current, after 6.25% of it was past due or on nonaccrual a year earlier. Loans are outrunning deposits: over the year loans rose 9.7% and deposits rose 1.7%. Where it has less room is capital: it funds 8.56% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%).
As of June 30, 2026, Coleman County State Bank reported a CET1 capital ratio of 12.90%, a return on assets of 2.05%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 0.34%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Coleman County State Bank is the 216th largest of the 346 banks headquartered in Texas. Between Q1 2026 and Q2 2026, its total assets rose 1.3% to $295.1M, loans rose 1.2% and deposits rose 1.1%. 1-4 family residential loans made up 29.3% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 14.7%. The FDIC Summary of Deposits lists 7 offices for it, in 4 cities in TX; its Coleman 3 offices book 49% of its branch deposits. By the capital ratios in its Q2 2026 call report, Coleman County State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 118 W Pecan St, Coleman, TX 76834
- County
- Coleman
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- October 15, 1936
- Former names
- Coleman Bank (1968-1985)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 58
- Domestic deposits
- $267.1M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $19K
- Average total assets
- $290.2M
- Average total loans
- $176.0M
- Average interest-bearing deposits
- $170.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 1, 1937
- FDIC Cert
- 15480
- Fed RSSD
- 761954
- Website
- www.colemanbank.com →
- Parent Holding Company
- COLEMAN BANCSHARES, INC. (RSSD 1107072)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Coleman County State Bank's total assets ranged from $194.4M (Q3 2023) to $295.1M (Q2 2026), 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
$295.1M total assets against $286.4M; $269.0M total liabilities against $265.2M.
$175.0M net loans and leases against $159.5M; $267.1M total deposits against $262.5M.
$71.2M securities against $62.7M; $29.0M cash and balances due against $48.9M.
$4.5M total interest income against $3.8M; $856K total interest expense against $804K.
$3.6M net interest income against $3.0M.
$465K total noninterest income against $398K; $2.5M total noninterest expense against $1.8M.
$92K provision for credit losses against $95K.
$1.5M net income against $1.5M.
2.05% return on assets against 2.69%; 5.58% net interest margin against 5.60%.
12.90% CET1 capital ratio against 11.62%; 8.56% tier 1 leverage ratio against 8.86%.
Inside the full Coleman County State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Coleman County State Bank rankings
Its closest position to the top of a national ranking is 435 of 3,611, for ROA; its furthest is 3,063 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.57% (Q4 2025) to 2.69% (Q2 2025) and its net interest margin ran from 5.28% (Q1 2026) to 5.60% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.90% | 2.05% | 0.05% | 0.34% | 5.58% |
| Q1 2026 | 12.58% | 2.11% | 0.05% | 0.36% | 5.28% |
| Q4 2025 | 12.97% | 1.57% | 0.08% | 0.54% | 5.51% |
| Q3 2025 | 12.95% | 2.32% | 0.09% | 0.64% | 5.36% |
| Q2 2025 | 11.62% | 2.69% | 0.41% | 3.26% | 5.60% |
| Q1 2025 | 13.74% | 2.46% | 0.47% | 3.33% | 5.44% |
| Q4 2024 | 13.52% | 1.73% | 0.13% | 0.93% | 5.31% |
| Q3 2024 | 13.26% | 2.28% | 0.12% | 0.92% | 5.30% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → 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 |
|---|---|---|---|
| Coleman County State Bank (main office) | Coleman , TX | 76834 | $131.0M |
| Coleman County Branch | Abilene , TX | 79606 | $65.3M |
| Santa Anna Branch | Santa Anna , TX | 76878 | $38.2M |
| Coleman County State Bank Branch | Abilene , TX | 79601 | $26.9M |
| Coleman County Stat Bank Branch | San Angelo , TX | 76901 | $5.8M |
| Coleman Country State Bank | Coleman , TX | 76834 | $0 |
| Drive-In Branch | Coleman , TX | 76834 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 28, 2025 | Structure Change | Acquired The Santa Anna National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 27, 2025 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 256 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 85 applications, 64 loans originated, $20.4M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $692K approved, $692K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Coleman County State Bank
What are Coleman County State Bank's total assets?
As of the Q2 2026 filing, Coleman County State Bank reported total assets of $295.1 million in its FFIEC call report.
Where is Coleman County State Bank headquartered?
It is headquartered in Coleman, TX, United States.
When was Coleman County State Bank founded?
It was established in 1936, per the FDIC institution directory.
Is Coleman County State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15480). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Coleman County State Bank?
Coleman County State Bank's primary federal regulator is the FDIC.
What is Coleman County State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.90% in its Q2 2026 call report, above regulatory requirements.
How many branches does Coleman County State Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Coleman County State Bank's Texas Ratio?
Its Texas Ratio is 0.34% 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 Coleman County State Bank previously called?
The charter now named Coleman County State Bank has also operated as Coleman Bank (1968-1985), per FDIC structure-change records.
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