🏦Bank Scorer

COLUMBUS STATE BANK

COLUMBUS, TX · Supervised by FDIC

Est. 1919FDIC #12,305RSSD: FDIC-12305
Part ofCENTRAL TX BANKSHARE HOLDINGS→ View all charters
Needs to Improve Down

Current rating · Exam: June 2025

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At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Adequate

ROA 0.80%

Institution Profile

FDIC BankFind

Address

1102 Milam St, COLUMBUS, TX

County

Colorado County

Established

August 19, 1919

Total Assets

$338M(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

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

June 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jun 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$338M

Total Deposits

$293M

Net Loans

$20M

Net Income

$670K

ROA

0.80%

ROE

6.18%

Risk-Based Capital

50.97%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$251M

1-Year Change

+1

5-year net change: +1 branches

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

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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