Colonial Savings, F.A.
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Data as of · sourced from FFIEC call reports. How we update
Colonial Savings, F.A. is an FDIC-insured savings and loan association headquartered in Fort Worth, TX, established in 1962 (FDIC certificate 31361), and it is supervised by the OCC. At Q2 2026 it reported total assets of $501.8M, down 49.4% from Q2 2025, the 161st largest of 346 banks headquartered in Texas.
- Charter
- Savings and loan association
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 31361
- Headquarters
- Fort Worth, TX
- Established
- 1962
- Total assets, Q2 2026
- $501.8M
- Assets vs Q2 2025
- -49.4%
- Capital ratio
- Not reported
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 311972238
- Latest call report
- Q2 2026, FFIEC 041 · Colonial Savings, F.A. call report
- Holding company
- COLONIAL HOLDING COMPANY
- Asset rank in state
- 161st of 346 in Texas
Colonial Savings, F.A. spends more to run itself than most banks of its size. Its balance sheet stood at $502 million at June 30, 2026, down 49.4% from a year earlier; it is based in Fort Worth, Texas. It loses about $2.00 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 172 cents to bring in each dollar of revenue, about triple the median of 61 cents for banks its size.
It lost $2.6 million in the quarter. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.13% of loans from 0.27%. Its margin is thin by comparison: it keeps 3.39 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Colonial Savings, F.A. reported a CET1 capital ratio of 174.54%, a return on assets of -2.00%, a nonperforming-loan ratio of 0.38% and a Texas ratio of 0.06%. The figures come from its call report filed with the FFIEC.
Colonial Savings, F.A. ranks as the 161st 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 4.9% to $501.8M, loans rose 5.1% and deposits fell 6.4%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 47.3% of total loans, followed by 1-4 family residential loans at 22.7%. Its 7 offices in the FDIC Summary of Deposits are in 4 cities in TX; its Fort Worth 4 offices book 52% of its branch deposits. On its Q2 2026 call report, Colonial Savings, F.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2626c West Fwy, Fort Worth, TX 76102
- County
- Tarrant
- Metro Area
- Dallas-Fort Worth-Arlington, TX
- Charter
- State-chartered stock savings and loan association, FDIC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1962
- Former names
- Colonial Savings and Loan Association, f.a. (1991-1993)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 58
- Domestic deposits
- $255.3M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $0
- Average total assets
- $516.8M
- Average total loans
- $110.6M
- Average interest-bearing deposits
- $227.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 31361
- Fed RSSD
- 339072
- Website
- www.gocolonial.com →
- Parent Holding Company
- COLONIAL HOLDING COMPANY (RSSD 3816677)
- Ultimate Parent
- JED TRUST, THE (RSSD 4264789)
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
Over the 12 quarters to Q2 2026, Colonial Savings, F.A.'s total assets ran between $501.8M (Q2 2026) and $1.11B (Q3 2023), and it earned a profit in 8 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$501.8M total assets against $991.5M; $263.9M total liabilities against $748.7M.
$112.7M net loans and leases against $678.9M; $255.3M total deposits against $608.8M.
$229.2M securities against $25.4M; $140.2M cash and balances due against $74.2M.
$5.5M total interest income against $8.3M; $1.3M total interest expense against $3.1M.
$4.2M net interest income against $5.2M.
-$1.1M total noninterest income against $5.6M; $5.3M total noninterest expense against $9.4M.
$257K provision for credit losses against $10K.
-$2.6M net income against $1.4M.
-2.00% return on assets against 0.55%; 3.39% net interest margin against 2.58%.
174.54% CET1 capital ratio against 23.93%; 46.07% tier 1 leverage ratio against 14.56%.
Inside the full Colonial Savings, F.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeColonial Savings, F.A. rankings
Its closest position to the top of a national ranking is 1,776 of 4,196, for total assets; its furthest is 3,604 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -3.49% (Q4 2025) to 3.10% (Q3 2025) and its net interest margin ran from 2.03% (Q1 2025) to 3.56% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 174.54% | -2.00% | 0.38% | 0.06% | 3.39% |
| Q1 2026 | 174.41% | -3.01% | 0.34% | 0.05% | 3.36% |
| Q4 2025 | 189.47% | -3.49% | 0.01% | 0.03% | 3.56% |
| Q3 2025 | 62.44% | 3.10% | 5.19% | 0.94% | 2.99% |
| Q2 2025 | 23.93% | 0.55% | 5.06% | 0.81% | 2.58% |
| Q1 2025 | 22.30% | 0.37% | 4.93% | 1.30% | 2.03% |
| Q4 2024 | 20.73% | 0.41% | 5.14% | 1.17% | 2.34% |
| Q3 2024 | 19.71% | 0.00% | 4.89% | 1.40% | 2.17% |
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 |
|---|---|---|---|
| Colonial Savings, F.A. | Fort Worth , TX | 76102 | $64.3M |
| Colleyville Branch | Colleyville , TX | 76034 | $57.4M |
| Oakmont Branch | Fort Worth , TX | 76132 | $50.9M |
| Lewisville Branch | Lewisville , TX | 75067 | $40.2M |
| Arlington Branch | Arlington , TX | 76013 | $25.8M |
| North Beach Branch | Fort Worth , TX | 76244 | $8.5M |
| Mortgage Servicing Operations | Fort Worth , TX | 76102 | $8.0M |
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 |
|---|---|---|---|
| January 1, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1993 | Structure Change | Acquired Colonial National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 29, 1990 | Structure Change | Acquired Banner Banc Federal Savings & Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 28, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 17, 1987 | Structure Change | Acquired First Savings & Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC)
- April 30, 2019, OCC: Civil Money Penalty (CMP): Colonial Savings, F.A.
- April 13, 2017, OCC: Civil Money Penalty (CMP): Colonial Savings, Fa
- Period: Most recent institution action April 30, 2019. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 264 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 3 applications, 3 loans originated, $935K originated, across 3 states
- Period: Calendar year 2024. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $969K approved, $969K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Colonial Savings, F.A.
What are Colonial Savings, F.A.'s total assets?
As of the Q2 2026 filing, Colonial Savings, F.A. reported total assets of $501.8 million in its FFIEC call report.
Where is Colonial Savings, F.A. headquartered?
It is headquartered in Fort Worth, TX, United States.
When was Colonial Savings, F.A. founded?
It was established in 1962, per the FDIC institution directory.
Is Colonial Savings, F.A. FDIC-insured?
Yes. It is an FDIC-insured savings and loan association (FDIC Certificate #31361). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Colonial Savings, F.A.?
Colonial Savings, F.A.'s primary federal regulator is the OCC.
What is Colonial Savings, F.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 174.54% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Colonial Savings, F.A. 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 Colonial Savings, F.A.'s Texas Ratio?
Its Texas Ratio is 0.06% 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 Colonial Savings, F.A. previously called?
The charter now named Colonial Savings, F.A. has also operated as Colonial Savings and Loan Association, f.a. (1991-1993), per FDIC structure-change records.
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