Colonial Savings, F.A.: 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: 4.92 percentage points higher than in Q1 2026, at 44.80%. On return on assets, Colonial Savings, F.A. is 1st from the bottom among 345 Texas banks, -2.00% (Q2 2026). Colonial Savings, F.A.'s return on assets of -2.00% is well below the 1.26% median for banks in the $100M-1B asset tier, a gap of 3.26 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 174.54% |
| Tier 1 risk-based capital ratio | 174.54% |
| Total risk-based capital ratio | 175.73% |
| Tier 1 leverage ratio | 46.07% |
| Equity capital to assets | 47.41% |
| Tangible equity to tangible assets | 47.41% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.38% |
| Non-performing assets ratio | 0.09% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.06% |
| Allowance for credit losses to loans | 1.50% |
| Reserve coverage of non-performing loans | 389.55% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -2.00% |
| Return on equity | -4.33% |
| Net interest margin | 3.39% |
| Efficiency ratio | 172.36% |
| Yield on earning assets | 4.48% |
| Cost of funds | 2.05% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 44.80% |
| Core deposits to total deposits | 87.42% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 50.87% |
| Securities to assets | 45.67% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.00% | 14.00% | 15.59% | 8.70% | -0.18% |
| Q4 2023 | 15.03% | 15.03% | 16.60% | 9.62% | 0.56% |
| Q1 2024 | 16.33% | 16.33% | 17.82% | 10.09% | 0.07% |
| Q2 2024 | 18.09% | 18.09% | 19.57% | 10.72% | 0.39% |
| Q3 2024 | 19.71% | 19.71% | 21.13% | 11.75% | 0.00% |
| Q4 2024 | 20.73% | 20.73% | 22.17% | 12.90% | 0.41% |
| Q1 2025 | 22.30% | 22.30% | 23.74% | 13.91% | 0.37% |
| Q2 2025 | 23.93% | 23.93% | 25.40% | 14.56% | 0.55% |
| Q3 2025 | 62.44% | 62.44% | 62.63% | 23.73% | 3.10% |
| Q4 2025 | 189.47% | 189.47% | 190.37% | 28.25% | -3.49% |
| Q1 2026 | 174.41% | 174.41% | 175.40% | 42.68% | -3.01% |
| Q2 2026 | 174.54% | 174.54% | 175.73% | 46.07% | -2.00% |
Colonial Savings, F.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Colonial Savings, F.A., 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 Colonial Savings, F.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31361) · FFIEC NIC profile (RSSD 339072)