BlastPoint's Banking Scorecard
Coleman County State Bank
Micro
Specialty: Commercial
TX
FDIC cert 15480
Designations: ✓ Community bank
Coleman, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Coleman County State Bank shows strong momentum with 2 strengths and 36.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.01% above tier
- + Net Interest Margin 1.35% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$289.7M
+36.4% YoY
+2.7% QoQ
|
+$72.2M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
70% |
| Total Loans ? |
$160.6M
+9.8% YoY
-6.0% QoQ
|
+$21.4M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
64% |
| Total Deposits ? |
$262.3M
+36.5% YoY
+3.0% QoQ
|
+$78.7M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
74% |
| Return on Assets ? |
2.10%
+18.3% YoY
-8.0% QoQ
|
+1.01% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 8% in tier |
| Net Interest Margin ? |
5.21%
+2.6% YoY
+1.1% QoQ
|
+1.35% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 7% in tier |
| Efficiency Ratio ? |
59.92%
-6.4% YoY
+6.8% QoQ
|
-7.81% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
68% |
| Delinquency Rate ? |
0.08%
-34.9% YoY
-9.3% QoQ
|
-0.56% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
61.23%
-19.5% YoY
-8.8% QoQ
|
-13.30% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
34.22%
-0.9% YoY
+1.5% QoQ
|
+11.83% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 13% in tier |
| Nonperforming Asset Ratio ? |
0.05%
-47.6% YoY
-17.0% QoQ
|
-0.41% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
74% |
| Tier 1 Capital Ratio ? |
12.99%
-3.9% YoY
+0.3% QoQ
|
+4.13% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.67%
-9.4% YoY
+41.0% QoQ
|
+0.10% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
81% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 8%
in Micro
Why this stands out
Current:
2.10%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 7%
in Micro
Why this stands out
Current:
5.21%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Net Interest Margin
Current: 5.21% · Tier avg: 3.85%
92
92th pctile
Return on Assets
Current: 2.10% · Tier avg: 1.08%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 34.22% · Tier avg: 22.39%
81
81th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.56%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
74
74th pctile
Total Deposits
Current: $262.3M · Tier avg: $183.7M
72
72th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.64%
70
70th pctile
Total Assets
Current: $289.7M · Tier avg: $217.5M
68
68th pctile
Efficiency Ratio
Current: 59.92% · Tier avg: 67.73%
64
64th pctile
Total Loans
Current: $160.6M · Tier avg: $139.2M
63
63th pctile
Tier 1 Capital Ratio
Current: 12.99% · Tier avg: 8.85%
26
26th pctile
Loan-to-Deposit Ratio
Current: 61.23% · Tier avg: 74.53%
Top Weaknesses
26
26th pctile
Loan-to-Deposit Ratio
Current: 61.23% · Tier avg: 74.53%
63
63th pctile
Tier 1 Capital Ratio
Current: 12.99% · Tier avg: 8.85%
64
64th pctile
Total Loans
Current: $160.6M · Tier avg: $139.2M
68
68th pctile
Efficiency Ratio
Current: 59.92% · Tier avg: 67.73%
70
70th pctile
Total Assets
Current: $289.7M · Tier avg: $217.5M
72
72th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.64%
74
74th pctile
Total Deposits
Current: $262.3M · Tier avg: $183.7M
74
74th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
81
81th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.56%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 34.22% · Tier avg: 22.39%
92
92th pctile
Return on Assets
Current: 2.10% · Tier avg: 1.08%
93
93th pctile
Net Interest Margin
Current: 5.21% · Tier avg: 3.85%