🏦Bank Scorer

COLEMAN COUNTY STATE BANK

COLEMAN, TX · Supervised by FDIC

Est. 1936FDIC #15,480RSSD: FDIC-15480
Part ofCOLEMAN BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: January 2026

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.07%

Institution Profile

FDIC BankFind

Address

118 W Pecan St, COLEMAN, TX

County

Coleman County

Established

October 15, 1936

Total Assets

$291M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 1, 2026

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jan 2031(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$291M

Total Deposits

$264M

Net Loans

$173M

Net Income

$2M

ROA

2.07%

ROE

23.51%

Risk-Based Capital

13.53%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate2.04%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

7

Branch Deposits

$263M

1-Year Change

+1

5-year net change: +3 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20249873.47%2.04%
20239185.71%1.10%
20197857.69%10.26%
20187672.37%3.95%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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