TellerScore

Stockmens National Bank in Cotulla is a national bank headquartered in Cotulla, Texas, in business for about 122 years. At the end of Q2 2026 it reported $124.1M in total assets and $111.7M in deposits, with 1 office.

Stockmens National Bank in Cotulla has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 75% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 108th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (56/100, 10.62%).

TellerScore · Q2 2026

Scorecard

Capital cushion56/100
Tier 1 leverage ratio: 10.62%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings88/100
Return on assets (annualized): 1.70%
Funding & liquidity74/100
Loans ÷ deposits and uninsured-deposit share: 22.3% · 38.6% uninsured
Problem-loan coverage80/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 10.11%

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 23 points (56 → 79), mostly because the loan quality component improved by 100 points.

TellerScore
517088Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202488
Q3 202488
Q4 202453
Q1 202553
Q2 202556
Q3 202556
Q4 202551
Q1 202678
Q2 202679
Tier 1 leverage ratio
5.00%8.75%12.49%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.49%
Q3 202412.27%
Q4 202410.52%
Q1 202510.52%
Q2 202511.32%
Q3 202511.48%
Q4 20259.85%
Q1 202610.11%
Q2 202610.62%
Noncurrent loans
0.00%1.86%3.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20243.16%
Q1 20253.01%
Q2 20253.45%
Q3 20253.72%
Q4 20253.71%
Q1 20260.00%
Q2 20260.00%
Return on assets
1.55%1.71%1.87%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.81%
Q3 20241.87%
Q4 20241.77%
Q1 20251.55%
Q2 20251.56%
Q3 20251.60%
Q4 20251.60%
Q1 20261.83%
Q2 20261.70%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$124.1M10.62%0.00%1.70%22.3%
Q1 202678$121.4M10.11%0.00%1.83%22.4%
Q4 202551$124.6M9.85%3.71%1.60%25.2%
Q3 202556$114.2M11.48%3.72%1.60%27.6%
Q2 202556$110.1M11.32%3.45%1.56%30.1%
Q1 202553$109.9M10.52%3.01%1.55%31.1%
Q4 202453$121.4M10.52%3.16%1.77%26.2%
Q3 202488$102.6M12.27%0.00%1.87%33.7%
Q2 202488$104.3M12.49%0.00%1.81%32.0%

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 ratio10.62%
44th
Total risk-based capital0.00%
24th
Problem loans0.00%
94th
Net charge-offs-0.02%
92nd
Return on assets1.70%
76th
Net interest margin3.49%
27th
Efficiency ratio52.6%
78th
Loans to deposits22.3%
99th
Uninsured deposits38.6%
12th
Loan-loss reserves1.15%
44th
Texas ratio10.1%
18th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Dalhart Federal Savings & Loan Association, SSBBank Dalhart, TX69 out of 100, Moderate$126.3M11.4%0.16%vs
Commercial State BankBank Palmer, TX49 out of 100, Below average$126.6M10.9%5.44%vs
Spectra BankBank Fort Worth, TX59 out of 100, Moderate$126.7M7.9%0.00%vs
The First State BankBank Abernathy, TX68 out of 100, Moderate$121.4M13.5%2.13%vs
Lone Oak Bank, National AssociationBank Eldorado, TX67 out of 100, Moderate$119.6M15.3%3.08%vs
Henderson Federal Savings BankBank Henderson, TX60 out of 100, Moderate$117.7M25.9%3.49%vs

Deposit insurance

Is my money safe at Stockmens National Bank in Cotulla?

Yes. Stockmens National Bank in Cotulla is an FDIC-insured institution (FDIC certificate #14864). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 38.6% of deposits ($43.1M) 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 10.62%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Stockmens National Bank in Cotulla lists 1 office in 1 city. Most locations:

  • Cotulla, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
Stockmens National Bank in Cotulla
Type
National bank
FDIC certificate #
14864
RSSD ID
818652
Primary regulator
OCC
Established
January 1, 1904
Headquarters
206 N Main St, Cotulla, TX 78014
Employees
16

Quick answers

Stockmens National Bank in Cotulla: common questions

Is Stockmens National Bank in Cotulla FDIC insured?

Yes. Stockmens National Bank in Cotulla is an FDIC-insured institution (FDIC certificate #14864). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Stockmens National Bank in Cotulla's TellerScore?

79 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 Stockmens National Bank in Cotulla ever failed?

There is no failure record for FDIC certificate #14864 in the FDIC failed bank list.

How many branches does Stockmens National Bank in Cotulla have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Cotulla

InstitutionScoreAssetsCapitalProblem loansCompare
The First State BankBank Louise, TX61 out of 100, Moderate$895.2M10.6%2.16%vs