TellerScore

Colonial Savings, F.A. is a savings association headquartered in Fort Worth, Texas, in business for about 64 years. At the end of Q2 2026 it reported $501.8M in total assets and $255.3M in deposits, with 7 offices.

Based on its Q2 2026 filing, Colonial Savings, F.A. scores 76/100, which we describe as strong. That is higher than 64% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 148th. Its strongest component is capital cushion (100/100; 46.07%), and its lowest is earnings (0/100; -2.41%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 46.07%
Loan quality87/100
Noncurrent loans ÷ total loans: 0.38%
Earnings0/100
Return on assets (annualized): -2.41%
Funding & liquidity93/100
Loans ÷ deposits and uninsured-deposit share: 44.1% · 21.9% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.18%

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 25 points (51 → 76), mostly because the loan quality component improved by 87 points.

TellerScore
396386Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202439
Q3 202441
Q4 202444
Q1 202548
Q2 202551
Q3 202562
Q4 202586
Q1 202675
Q2 202676
Tier 1 leverage ratio
5.00%25.53%46.07%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.72%
Q3 202411.75%
Q4 202412.90%
Q1 202513.91%
Q2 202514.56%
Q3 202523.73%
Q4 202528.25%
Q1 202642.68%
Q2 202646.07%
Noncurrent loans
0.01%2.60%5.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20243.56%
Q3 20244.89%
Q4 20245.14%
Q1 20254.93%
Q2 20255.06%
Q3 20255.19%
Q4 20250.01%
Q1 20260.34%
Q2 20260.38%
Return on assets
-2.82%-0.70%1.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.24%
Q3 20240.16%
Q4 20240.22%
Q1 20250.36%
Q2 20250.46%
Q3 20251.42%
Q4 20250.32%
Q1 2026-2.82%
Q2 2026-2.41%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$501.8M46.07%0.38%-2.41%44.1%
Q1 202675$527.9M42.68%0.34%-2.82%39.3%
Q4 202586$675.2M28.25%0.01%0.32%21.3%
Q3 202562$936.4M23.73%5.19%1.42%97.3%
Q2 202551$991.5M14.56%5.06%0.46%111.5%
Q1 202548$1.0B13.91%4.93%0.36%116.1%
Q4 202444$1.0B12.90%5.14%0.22%124.1%
Q3 202441$1.1B11.75%4.89%0.16%100.7%
Q2 202439$1.1B10.72%3.56%0.24%104.0%

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 ratio46.07%
99th
Total risk-based capital175.73%
100th
Problem loans0.38%
51st
Net charge-offs0.00%
68th
Return on assets-2.41%
1st
Net interest margin3.27%
19th
Efficiency ratio192.2%
0th
Loans to deposits44.1%
94th
Uninsured deposits21.9%
57th
Loan-loss reserves1.50%
78th
Texas ratio0.2%
83rd

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
The First National Bank of MertzonBank Mertzon, TX90 out of 100, Very strong$500.3M15.7%0.00%vs
Citizens State BankBank Sealy, TX76 out of 100, Strong$507.0M10.3%0.00%vs
Texas Republic Bank, National AssociationBank Frisco, TX71 out of 100, Strong$510.6M13.3%1.06%vs
Citizens State BankBank Woodville, TX44 out of 100, Below average$511.4M13.2%3.10%vs
Citizens BankBank Kilgore, TX60 out of 100, Moderate$488.8M6.9%0.02%vs
The Brenham National BankBank Brenham, TX69 out of 100, Moderate$517.7M11.8%1.54%vs

Deposit insurance

Is my money safe at Colonial Savings, F.A.?

Yes. Colonial Savings, F.A. is an FDIC-insured institution (FDIC certificate #31361). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.9% of deposits ($56.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 46.07%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 175.73% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

Colonial Savings, F.A. lists 6 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Colonial Savings, F.A.
Former names
Colonial Savings and Loan Association; Colonial Savings and Loan Association, f.a.
Type
Savings association
FDIC certificate #
31361
RSSD ID
339072
Primary regulator
OCC
Holding company
Jed Trust the
Established
January 1, 1962
Headquarters
2626c West Fwy, Fort Worth, TX 76102
Employees
58

Quick answers

Colonial Savings, F.A.: common questions

Is Colonial Savings, F.A. FDIC insured?

Yes. Colonial Savings, F.A. is an FDIC-insured institution (FDIC certificate #31361). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Colonial Savings, F.A.'s TellerScore?

76 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 Colonial Savings, F.A. ever failed?

There is no failure record for FDIC certificate #31361 in the FDIC failed bank list.

How many branches does Colonial Savings, F.A. have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Fort Worth

InstitutionScoreAssetsCapitalProblem loansCompare
Fort Worth City Credit UnionCredit union Fort Worth, TX93 out of 100, Very strong$336.8M13.1%0.03%vs
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs
Ben E Keith Company Employees Federal Credit UnionCredit union Fort Worth, TX89 out of 100, Very strong$11.9M20.9%1.07%vs
First National Bank of BurlesonBank Burleson, TX89 out of 100, Very strong$250.8M12.6%0.00%vs
Datcu Credit UnionCredit union Denton, TX89 out of 100, Very strong$1.8B17.2%0.13%vs
Allied Federal Credit UnionCredit union Arlington, TX88 out of 100, Very strong$137.6M12.2%0.23%vs