Stockmens National Bank in Cotulla: 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.
Return on equity dropped 3.18 percentage points in Q2 2026, from 19.10% to 15.92%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Stockmens National Bank in Cotulla is 151st of 345 on return on assets, 1.59% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Stockmens National Bank in Cotulla sits 0.34 points higher, at 1.59% (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 | 10.62% |
| Equity capital to assets | 9.87% |
| Tangible equity to tangible assets | 9.87% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 1.02% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 10.11% |
| Allowance for credit losses to loans | 1.15% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.59% |
| Return on equity | 15.92% |
| Net interest margin | 3.57% |
| Efficiency ratio | 53.85% |
| Yield on earning assets | 4.70% |
| Cost of funds | 1.10% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 22.51% |
| Core deposits to total deposits | 82.60% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.01% |
| Securities to assets | 48.55% |
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 | 13.16% | 1.43% | 2.98% | 0.53% | -0.14% |
| Q4 2023 | 11.11% | 2.81% | 3.86% | 0.00% | 0.03% |
| Q1 2024 | 11.69% | 1.81% | 3.44% | 0.00% | 0.00% |
| Q2 2024 | 12.49% | 1.85% | 3.50% | 0.00% | 0.00% |
| Q3 2024 | 12.27% | 1.96% | 3.61% | 0.00% | 0.01% |
| Q4 2024 | 10.52% | 1.60% | 3.57% | 3.16% | -0.01% |
| Q1 2025 | 10.52% | 1.57% | 3.53% | 3.01% | 0.00% |
| Q2 2025 | 11.32% | 1.60% | 3.52% | 3.45% | -0.04% |
| Q3 2025 | 11.48% | 1.69% | 3.73% | 3.72% | 0.01% |
| Q4 2025 | 9.85% | 1.62% | 3.73% | 3.71% | -0.08% |
| Q1 2026 | 10.11% | 1.84% | 3.83% | 0.00% | -0.03% |
| Q2 2026 | 10.62% | 1.59% | 3.57% | 0.00% | -0.02% |
Stockmens National Bank in Cotulla vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Stockmens National Bank in Cotulla, 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 Stockmens National Bank in Cotulla profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14864) · FFIEC NIC profile (RSSD 818652)