TellerScore

Coleman County State Bank (FDIC certificate #15480) is based in Coleman, Texas. Its Q2 2026 call report shows $295.1M in total assets and $267.1M in deposits and 7 offices.

Based on its Q2 2026 filing, Coleman County State Bank scores 78/100, which we describe as strong. That is higher than 72% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 119th. Its strongest component is earnings (100/100; 2.05%), and its lowest is capital cushion (36/100; 8.56%).

TellerScore · Q2 2026

Scorecard

Capital cushion36/100
Tier 1 leverage ratio: 8.56%
Loan quality98/100
Noncurrent loans ÷ total loans: 0.05%
Earnings100/100
Return on assets (annualized): 2.05%
Funding & liquidity85/100
Loans ÷ deposits and uninsured-deposit share: 65.5% · 23.7% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.31%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (76 → 78), mostly because the loan quality component improved by 12 points.

TellerScore
717680Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202477
Q4 202477
Q1 202576
Q2 202576
Q3 202580
Q4 202577
Q1 202678
Q2 202678
Tier 1 leverage ratio
5.00%7.25%9.51%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.43%
Q3 20249.28%
Q4 20249.45%
Q1 20259.51%
Q2 20258.86%
Q3 20259.13%
Q4 20258.24%
Q1 20268.42%
Q2 20268.56%
Noncurrent loans
0.05%0.32%0.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.60%
Q3 20240.12%
Q4 20240.13%
Q1 20250.47%
Q2 20250.41%
Q3 20250.09%
Q4 20250.08%
Q1 20260.05%
Q2 20260.05%
Return on assets
1.53%1.97%2.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.53%
Q3 20241.79%
Q4 20241.77%
Q1 20252.41%
Q2 20252.35%
Q3 20252.28%
Q4 20252.09%
Q1 20262.07%
Q2 20262.05%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$295.1M8.56%0.05%2.05%65.5%
Q1 202678$291.5M8.42%0.05%2.07%65.5%
Q4 202577$289.7M8.24%0.08%2.09%61.2%
Q3 202580$282.2M9.13%0.09%2.28%67.1%
Q2 202576$286.4M8.86%0.41%2.35%60.8%
Q1 202576$221.1M9.51%0.47%2.41%72.8%
Q4 202477$212.4M9.45%0.13%1.77%76.1%
Q3 202477$212.3M9.28%0.12%1.79%76.8%
Q2 202471$208.3M9.43%0.60%1.53%72.8%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.56%
7th
Total risk-based capital13.89%
61st
Problem loans0.05%
79th
Net charge-offs0.02%
38th
Return on assets2.05%
88th
Net interest margin5.19%
94th
Efficiency ratio60.2%
56th
Loans to deposits65.5%
76th
Uninsured deposits23.7%
51st
Loan-loss reserves0.98%
24th
Texas ratio0.3%
81st

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Arrowhead BankBank Llano, TX87 out of 100, Very strong$295.3M11.9%0.00%vs
Charter BankBank Corpus Christi, TX58 out of 100, Moderate$292.3M11.3%2.78%vs
One World BankBank Dallas, TX67 out of 100, Moderate$290.1M13.2%0.00%vs
Llano National BankBank Llano, TX80 out of 100, Strong$301.1M13.1%0.45%vs
Freedom BankBank Alamo, TX80 out of 100, Strong$301.2M12.2%0.17%vs
Interstate BankBank Perryton, TX40 out of 100, Below average$288.4M9.4%3.47%vs

Deposit insurance

Is my money safe at Coleman County State Bank?

Yes. Coleman County State Bank is an FDIC-insured institution (FDIC certificate #15480). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 23.7% of deposits ($63.2M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.56%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.89% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

Coleman County State Bank lists 5 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Coleman County State Bank reported 85 home-loan applications under HMDA (LEI 549300YDU8N5KZBYRU81): 64 originated ($20,420,000 total), 2 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Coleman County State Bank
Former names
Coleman Bank
Type
State-chartered bank
FDIC certificate #
15480
RSSD ID
761954
Primary regulator
FDIC
Holding company
Coleman Bancshares Inc
Established
October 15, 1936
Headquarters
118 W Pecan St, Coleman, TX 76834
Employees
58

Quick answers

Coleman County State Bank: common questions

Is Coleman County State Bank FDIC insured?

Yes. Coleman County State Bank is an FDIC-insured institution (FDIC certificate #15480). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Coleman County State Bank's TellerScore?

78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Coleman County State Bank ever failed?

There is no failure record for FDIC certificate #15480 in the FDIC failed bank list.

How many branches does Coleman County State Bank have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Coleman

InstitutionScoreAssetsCapitalProblem loansCompare
TexasBankBank Fort Worth, TX80 out of 100, Strong$2.5B12.9%0.41%vs
First Central Credit UnionCredit union Waco, TX76 out of 100, Strong$191.7M16.4%1.95%vs
Liberty Capital BankBank Addison, TX73 out of 100, Strong$767.9M10.9%0.07%vs
Cen Tex Manufacturing Credit UnionCredit union Brownwood, TX69 out of 100, Moderate$15.0M22.4%2.20%vs
Mid-Tex Federal Credit UnionCredit union Brownwood, TX65 out of 100, Moderate$36.4M9.2%0.90%vs
InterBankBank Oklahoma City, OK62 out of 100, Moderate$5.3B11.1%1.56%vs