Headquartered in Columbus, Texas, Columbus State Bank is a state-chartered bank with $326.5M in total assets and $281.0M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1919.
Columbus State Bank has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 90% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 39th. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (57/100, 0.93%).
TellerScore · Q2 2026
Scorecard
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 fell 2 points (88 → 86), mostly because the capital cushion component weakened by 5 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 77 |
| Q4 2024 | 81 |
| Q1 2025 | 88 |
| Q2 2025 | 88 |
| Q3 2025 | 88 |
| Q4 2025 | 86 |
| Q1 2026 | 85 |
| Q2 2026 | 86 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.08% |
| Q3 2024 | 11.07% |
| Q4 2024 | 12.26% |
| Q1 2025 | 16.21% |
| Q2 2025 | 16.42% |
| Q3 2025 | 16.58% |
| Q4 2025 | 14.51% |
| Q1 2026 | 14.44% |
| Q2 2026 | 14.47% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.38% |
| Q3 2024 | 1.48% |
| Q4 2024 | 1.31% |
| Q1 2025 | 0.92% |
| Q2 2025 | 0.97% |
| Q3 2025 | 0.92% |
| Q4 2025 | 0.90% |
| Q1 2026 | 0.80% |
| Q2 2026 | 0.93% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 86 | $326.5M | 14.47% | 0.00% | 0.93% | 7.8% |
| Q1 2026 | 85 | $337.9M | 14.44% | 0.00% | 0.80% | 6.9% |
| Q4 2025 | 86 | $333.2M | 14.51% | 0.00% | 0.90% | 6.7% |
| Q3 2025 | 88 | $301.6M | 16.58% | 0.00% | 0.92% | 7.9% |
| Q2 2025 | 88 | $294.5M | 16.42% | 0.00% | 0.97% | 7.2% |
| Q1 2025 | 88 | $293.3M | 16.21% | 0.00% | 0.92% | 6.7% |
| Q4 2024 | 81 | $143.3M | 12.26% | 0.00% | 1.31% | 3.7% |
| Q3 2024 | 77 | $162.1M | 11.07% | 0.00% | 1.48% | 3.5% |
| Q2 2024 | 77 | $152.2M | 11.08% | 0.00% | 1.38% | 3.0% |
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).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First State Bank of BurnetBank Burnet, TX | 86 out of 100, Very strong | $325.8M | 12.5% | 0.13% | vs |
| Commercial National Bank of TexarkanaBank Texarkana, TX | 58 out of 100, Moderate | $330.1M | 10.0% | 1.99% | vs |
| Texana Bank, National AssociationBank Linden, TX | 53 out of 100, Below average | $330.6M | 9.1% | 1.36% | vs |
| Global One BankBank Houston, TX | 84 out of 100, Strong | $333.2M | 14.5% | 0.27% | vs |
| The First National Bank of Hughes SpringsBank Hughes Springs, TX | 63 out of 100, Moderate | $319.5M | 11.0% | 2.23% | vs |
| Community BankBank Longview, TX | 82 out of 100, Strong | $315.5M | 11.9% | 0.00% | vs |
Deposit insurance
Is my money safe at Columbus State Bank?
Yes. Columbus State Bank is an FDIC-insured institution (FDIC certificate #12305). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 37.3% of deposits ($104.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.47%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 62.01% (benchmark: 10%).
3 locations
Branches
Columbus State Bank lists 2 offices in 2 cities. Most locations:
- Columbus, TX (1)
- Weimar, TX (1)
Identity & history
Profile
- Legal name
- Columbus State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 12305
- RSSD ID
- 891253
- Primary regulator
- FDIC
- Holding company
- Central Tx Bankshare Holdings
- Established
- August 19, 1919
- Headquarters
- 1102 Milam St, Columbus, TX 78934
- Website
- www.columbusstate.com
- Employees
- 22
Quick answers
Columbus State Bank: common questions
Is Columbus State Bank FDIC insured?
Yes. Columbus State Bank is an FDIC-insured institution (FDIC certificate #12305). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Columbus State Bank's TellerScore?
86 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Columbus State Bank ever failed?
There is no failure record for FDIC certificate #12305 in the FDIC failed bank list.
How many branches does Columbus State Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Columbus
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Lehrer Interests Credit UnionCredit union Garwood, TX | 86 out of 100, Very strong | $2.3M | 21.4% | 0.00% | vs |
| Lcra Credit UnionCredit union Austin, TX | 83 out of 100, Strong | $20.2M | 16.0% | 0.41% | vs |
| Fayette Savings Bank, SSBBank La Grange, TX | 81 out of 100, Strong | $551.8M | 11.0% | 0.01% | vs |
| Round Top State BankBank Round Top, TX | 80 out of 100, Strong | $974.1M | 11.9% | 0.36% | vs |
| The First National Bank of BastropBank Bastrop, TX | 77 out of 100, Strong | $1.2B | 11.6% | 0.33% | vs |
| Lone Star BankBank Houston, TX | 77 out of 100, Strong | $202.3M | 12.7% | 0.29% | vs |