Stockmens National Bank in Cotulla
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Data as of · sourced from FFIEC call reports. How we update
Stockmens National Bank in Cotulla is an FDIC-insured commercial bank headquartered in Cotulla, TX, established in 1904 (FDIC certificate 14864), and it is supervised by the OCC. At Q2 2026 it reported total assets of $124.1M, up 12.7% from Q2 2025, the 298th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.62% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 14864
- Headquarters
- Cotulla, TX
- Established
- 1904
- Total assets, Q2 2026
- $124.1M
- Assets vs Q2 2025
- +12.7%
- Tier 1 leverage ratio, Q2 2026
- 10.62%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 114904461
- Latest call report
- Q2 2026, FFIEC 041 · Stockmens National Bank in Cotulla call report
- Asset rank in state
- 298th of 346 in Texas
Stockmens National Bank in Cotulla, based in Cotulla, Texas, reported $124 million in assets at June 30, 2026, up 12.7% from a year earlier. It shrank its loan book 16.2% over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%). It also pays an average of 1.10% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.00% of loans from 3.45%. Loans and deposits moved in opposite directions: over the year loans fell 16.2% and deposits rose 13.4%. Credit is the area to watch: it carries problem assets equal to 10.1% of the capital and reserves that would absorb them, 3.8 times the median of 2.6% for banks its size.
As of June 30, 2026, Stockmens National Bank in Cotulla reported a return on assets of 1.59%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 10.11%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Stockmens National Bank in Cotulla is the 298th largest of the 346 banks headquartered in Texas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.2% to $124.1M, loans rose 1.3% and deposits rose 2.2%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 19.8% of total loans, followed by construction and land development loans at 16.1%. Its one office in the FDIC Summary of Deposits is in Cotulla, TX. Judged on its Q2 2026 call report, Stockmens National Bank in Cotulla meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 206 N Main St, Cotulla, TX 78014
- County
- La Salle
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1904
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 16
- Domestic deposits
- $111.7M
- Allowance for credit losses
- $288K
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $121.5M
- Average total loans
- $25.5M
- Average interest-bearing deposits
- $66.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 10, 1934
- FDIC Cert
- 14864
- Fed RSSD
- 818652
- Website
- https://snbcotulla.com →
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, Stockmens National Bank in Cotulla reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Stockmens National Bank in Cotulla's total assets moved between a low of $98.8M (Q3 2023) and a high of $124.6M (Q4 2025) from Q3 2023 to 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
$124.1M total assets against $110.1M; $111.8M total liabilities against $98.6M.
$24.8M net loans and leases against $29.7M; $111.7M total deposits against $98.5M.
$60.2M securities against $53.5M; $33.4M cash and balances due against $22.7M.
$1.2M total interest income against $1.1M; $302K total interest expense against $282K.
$948K net interest income against $859K.
$105K total noninterest income against $122K; $570K total noninterest expense against $540K.
$0 provision for credit losses against $0.
$483K net income against $441K.
1.59% return on assets against 1.60%; 3.57% net interest margin against 3.52%.
10.62% tier 1 leverage ratio against 11.32%.
Inside the full Stockmens National Bank in Cotulla terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeStockmens National Bank in Cotulla rankings
Its closest position to the top of a national ranking is 634 of 3,640, for Texas Ratio; its furthest is 3,485 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.57% (Q1 2025) to 1.96% (Q3 2024) and its net interest margin ran from 3.52% (Q2 2025) to 3.83% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.62% | 1.59% | 0.00% | 10.11% | 3.57% |
| Q1 2026 | 10.11% | 1.84% | 0.00% | 10.29% | 3.83% |
| Q4 2025 | 9.85% | 1.62% | 3.71% | 8.99% | 3.73% |
| Q3 2025 | 11.48% | 1.69% | 3.72% | 10.77% | 3.73% |
| Q2 2025 | 11.32% | 1.60% | 3.45% | 8.81% | 3.52% |
| Q1 2025 | 10.52% | 1.57% | 3.01% | 8.50% | 3.53% |
| Q4 2024 | 10.52% | 1.60% | 3.16% | 9.33% | 3.57% |
| Q3 2024 | 12.27% | 1.96% | 0.00% | 0.00% | 3.61% |
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 |
|---|---|---|---|
| Stockmens National Bank in Cotulla (main office) | Cotulla , TX | 78014 | $111.7M |
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 |
|---|---|---|---|
| December 11, 2001 | Structure Change | Acquired Stockmens Financial Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 360 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $55K approved, $55K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2002 (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 Stockmens National Bank in Cotulla
What are Stockmens National Bank in Cotulla's total assets?
As of the Q2 2026 filing, Stockmens National Bank in Cotulla reported total assets of $124.1 million in its FFIEC call report.
Where is Stockmens National Bank in Cotulla headquartered?
It is headquartered in Cotulla, TX, United States.
When was Stockmens National Bank in Cotulla founded?
It was established in 1904, per the FDIC institution directory.
Is Stockmens National Bank in Cotulla FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14864). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Stockmens National Bank in Cotulla?
Stockmens National Bank in Cotulla's primary federal regulator is the OCC.
How many branches does Stockmens National Bank in Cotulla 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 Stockmens National Bank in Cotulla's Texas Ratio?
Its Texas Ratio is 10.11% 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.
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