# COLUMBUS STATE BANK
COLUMBUS, TX · FDIC certificate 12305 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $326.5M | |
| Deposits | $281.0M | |
| Loans and leases | $22.1M | |
| Total equity | $44.6M | |
| Loans / deposits | 7.78% (p0 of band) | 82.04% |
| Liquid assets / assets | 92.15% (p100 of band) | |
| Uninsured deposits / deposits | 37.27% (p83 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.47% (p87 of band) | 10.81% |
| Unrealized securities loss / equity | -8.36% (p49 of band) | -8.10% |
| AOCI / equity | -0.13% (p64 of band) | |
| ROA (annualized) | 0.93% (p28 of band) | 1.28% |
| Net interest margin | 2.28% (p2 of band) | 3.91% |
| Efficiency ratio | 49.06% (p16 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 59% | |
| Construction % of loans | 3.23% (p7 of band) | |
| Auto loans | $1.1M (5.20% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 12.0% | |
| Employees | 22 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 0 |  |  |
| 2012-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-09 | 1 |  | deposits shrinking, assets shrinking |
| 2012-12 | 1 | capital falling | uninsured deposits leaving |
| 2013-03 | 2 | NIM <2.5% |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 3 | deposits shrinking, assets shrinking |  |
| 2016-09 | 1 |  | deposits shrinking, assets shrinking |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | uninsured deposits >50% |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 1 |  | capital falling, uninsured deposits >50% |
| 2018-06 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-09 | 3 |  | uninsured deposits leaving |
| 2018-12 | 4 | uninsured deposits leaving |  |
| 2019-03 | 4 |  |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 2 | capital falling | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 | expense ratio p90 | capital falling |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | expense ratio p90 |
| 2021-12 | 1 |  |  |
| 2022-03 | 4 | AOCI drag >20% of equity, securities losses >30% of equity, assets shrinking |  |
| 2022-06 | 3 |  | assets shrinking |
| 2022-09 | 3 |  |  |
| 2022-12 | 5 | deposits shrinking, assets shrinking |  |
| 2023-03 | 1 |  | NIM <2.5%, AOCI drag >20% of equity, deposits shrinking, assets shrinking |
| 2023-06 | 2 | deposits shrinking |  |
| 2023-09 | 1 |  | deposits shrinking |
| 2023-12 | 3 | uninsured deposits >50%, capital falling |  |
| 2024-03 | 2 |  | uninsured deposits >50% |
| 2024-06 | 3 | uninsured deposits >50% |  |
| 2024-09 | 2 |  | securities losses >30% of equity |
| 2024-12 | 2 | securities losses >30% of equity, deposits shrinking | capital falling, uninsured deposits >50% |
| 2025-03 | 0 |  | securities losses >30% of equity, deposits shrinking |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | NIM <2.5% |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | capital falling |  |
| 2026-06 | 1 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-09-30 [Together for Teachers campaign honors educators - Colorado County Citizen](https://news.google.com/rss/articles/CBMinwFBVV95cUxNTHJJNUhWTWN3ci1HVWxGVldoa0Y0elhZLTVDLVhuU0xtb3pjSzI1VUJHajY4dGpKS3o2STdLTWluQnVEblFOM2lVS25Lek9ZQWsxNU1CUjQzSDdQVl9kUnBrM3BnLU9lZ3NxRFBhLXAtR1labzJLTGd2NzJCNzdiQ2lvZXBZaVVRUXUwR3dSNFdqeDU1QmNMV0k3MmI2NTA?oc=5) · Colorado County Citizen
- 2024-10-04 [Columbus football to play with heavy hearts after death of teammate - Houston Chronicle](https://news.google.com/rss/articles/CBMivwFBVV95cUxOM3liUHVNSDNCSUFFcC1hSHRQczZfb05aVHN2TzJ3LVNwQ0dfcW4tb2xmR2Z6a1ZPdmsxWWVYS0pwRkZKX2F4akh6SkF2d0VySjJ5TUFPQXBpMEdyT19NdWcyTTZPVjdhNnJFdXo0amNvczhoQzROTE81ZUtQZFROU3Z6TnhDMmN3c0J5SkNrano2b0lENW5GQUx1OWNzYnQ5bGxSUTVkMUo4T1hraWNIZHhpdy1SdHNuRVZSYlhpZw?oc=5) · Houston Chronicle
- 2025-08-26 [Banking Industry Outlook: U.S. Banking M&A Activity Mid-Year Review | Ankura - jdsupra.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPSGwzQkdxQ1VaeEtXeDhxNVlJOEFYR1JGaDRrWkdScFAtdWtrWW5iSlNyLWxhd1pacEJLWUdtVGF6Zl83aGZOS1RYWmU5UVJRa3JHUFhRWWs2MDNwY0lQYzAwYlktb3FjeUtvT05JNFlzeHFfd2tTSjRBV3c3QmZweHZZdG5MMjZ0?oc=5) · jdsupra.com
- 2020-09-14 [Obituary for Thomas H. Huston - sandhfuneralservice.com](https://news.google.com/rss/articles/CBMiakFVX3lxTE5LdXE5SXZmZG5mNnI1eDFxTU1kT3YyVWZPbzg3WHl0MUNBZXB6RGMyWF90Q2dnQnktRVpqTUF0bkl1VTdTZ0RvcmdhN2pyVTlSZFQ3VDUwaDYzRy15b1J6SEk3YkptRVV5dmc?oc=5) · sandhfuneralservice.com
- 2026-03-03 [83rd Annual Columbus FFA Livestock & Poultry Show and Sale Results - Colorado County Citizen](https://news.google.com/rss/articles/CBMitgFBVV95cUxNZHhyNHZXV2NWRkNkSzZ2Z3pNeERST2RjY1RIQUoyamVEWGtvb3Y0cnpkTlpsc1BIMGVrOXhlcHkydkVzZFNGYnFDMVljSGhqc0JDUU9sQk1vSWljUzNQclFkdHQ1RE9ONThoUmlCaHRRcDFPRm1FUThES0JvdHdockQ4V1dMSU1SOVJKUkFwX2xxdFhBMGxMeVQyRm50dWRXY1NpMDhPdmpkb1dGQVBxU2RGaU5Kdw?oc=5) · Colorado County Citizen
- 2023-09-14 [Wilma Vanbeber Obituary - Falls Church, VA - Dignity Memorial](https://news.google.com/rss/articles/CBMiigFBVV95cUxPeDZ4bHpPelRmaUpTYUtoa0cyN051UVA3ZkFxNzhsSmM3QTJEMnB2elFjeTNKVUFjU0w0T2NBRjYwc3NxenB6NTdaWnBSMEtzRHpMZU5kS1NhS1laQmNqaXdsMlU3RGwzZEJFQzVhQXJ6aEphdG1hQnFDbjA2Q3hNTlU0SW90MDJRU0E?oc=5) · Dignity Memorial
- 2011-08-25 [In Echo of Pancho Villa, Modern Raid Shakes a Town on the Edge of Extinction (Published 2011) - The New York Times](https://news.google.com/rss/articles/CBMiY0FVX3lxTE56aHhpTjAyOWlnQ2hHQnpLTjVQMWtwWURNdDNPV3FOTVhTZ2hrN2J3WXpWVHczbTZJTFFPQ3FkRUNtNHYxMHhaZ0VDN1M4SWI3YXE0UEh0MXlVMWdWWXloNzNIVQ?oc=5) · The New York Times
- 2023-05-17 [ABC presents two new murals in Downtown Columbus - Colorado County Citizen](https://news.google.com/rss/articles/CBMioAFBVV95cUxOMG5NRDdxcVl0cWNOXzRVaXpuWGtfRHdXeTlBWll5UG5OT3hOZ0F4eGRKT0VqUUJkS2hMQWdMV25TMGFSdUl3MUF4MU9HMDNzeGJNRTFfeUxhWGQzNl92Vk9jbHBvYURrQm1fVVZDWThfNVJGRGhSQVlZeHBWNU9UQ09jYXhCTXZjNGdLQUpuRVRXeFEzeHhVTHFENkhweXNn?oc=5) · Colorado County Citizen

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12305 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/17.json (key "12305", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide