# COLEMAN COUNTY STATE BANK
COLEMAN, TX · FDIC certificate 15480 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $295.1M | |
| Deposits | $267.1M | |
| Loans and leases | $176.7M | |
| Total equity | $26.2M | |
| Loans / deposits | 65.52% (p38 of band) | 73.59% |
| Liquid assets / assets | 33.94% (p53 of band) | |
| Uninsured deposits / deposits | 23.67% (p64 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.56% (p7 of band) | 11.76% |
| Unrealized securities loss / equity | -2.81% (p66 of band) | -6.57% |
| AOCI / equity | -3.01% (p6 of band) | |
| ROA (annualized) | 2.05% (p86 of band) | 1.17% |
| Net interest margin | 5.19% (p93 of band) | 3.93% |
| Efficiency ratio | 60.22% (p36 of band) | |
| Noncurrent loans | 0.05% (p30 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p68 of band) | |
| Reserve coverage of noncurrent | 1990.80% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 88.11% (p92 of band) | |
| Auto loans | $2.6M (1.49% of loans; DQ 1.52%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.7% | |
| Employees | 58 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | reserve under noncurrent |  |
| 2016-12 | 2 | uninsured deposits leaving |  |
| 2017-03 | 3 | capital falling, noncurrent p90 | uninsured deposits leaving |
| 2017-06 | 2 | charge-offs p90 | capital falling, noncurrent p90 |
| 2017-09 | 2 | uninsured deposits leaving | reserve under noncurrent |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 | capital falling | charge-offs p90 |
| 2018-06 | 2 |  |  |
| 2018-09 | 0 |  | uninsured deposits leaving, capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | construction >100% equity | capital falling |
| 2022-06 | 1 |  |  |
| 2022-09 | 3 | capital falling, AOCI drag >20% of equity |  |
| 2022-12 | 2 |  | capital falling |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-09 | 2 |  | deposits shrinking, assets shrinking |
| 2023-12 | 2 | capital falling | uninsured deposits leaving |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | construction >100% equity |
| 2024-12 | 0 |  | capital falling |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2025-06-27 [Failed Bank Information for The Santa Anna National Bank, Santa Anna, TX - Federal Deposit Insurance Corporation (FDIC) (.gov)](https://news.google.com/rss/articles/CBMiggFBVV95cUxOalhWN2plOUtVRkFtZHNEV29ZZ0xldjB1eGpPV3hDdlpub0IwRzZYTGMweXZuYjkyci1BbGFWb2NzendBNUQ2TGFfMkZhYXVzZ0lGeWVsNkpWZ0s1a2F2LTBGWURnSmdHdjNXVEt0RDEtcjcyXzcxa1NLLUxPU2NhTl9n?oc=5) · Federal Deposit Insurance Corporation (FDIC) (.gov)
- 2025-06-30 [FDIC: ‘Suspected fraud’ contributed to Texas bank failure - Banking Dive](https://news.google.com/rss/articles/CBMipgFBVV95cUxPY3hjLVdVNHZjT3FEUlEzY3lFZ2d4Q0ZkaWg5dFJyRzFtY2hZc201ZTBCUTJwNFF1TE9UdnBKLXNDUElzeWpOeUt1a01SYks3SEpyR2dTV0tSUWQ3VThDN1ZYZzFJTmNhamdyQXRtWjNWR2xUMk5neGNmMlVEY0k1eW50VFJISVNMNzQ0V1g2U1NxQkZ3a3hXSnc5RkFtcTFBTk96UHln?oc=5) · Banking Dive
- 2025-06-27 [Santa Anna National Bank Closed by Federal Regulators; Deposits Assumed by Coleman County State Bank - Coleman TODAY](https://news.google.com/rss/articles/CBMilgJBVV95cUxQc0FZRks0bnlzWTZfblY5Q2oya2tkMHhwODBjaVdfRGtsVjdDQVk3djNmTDFKVkVuOUpmenl3Yl9qT0VpQjQ0STU0dDJScGdpOVdQZ01wWGZZeWY1UFNqZmM5S1ZZd0Jmb0xoZHU4UWlBTXM3YWRhalV2WWNWU0VHRkFjYkx3RlNCT2tHbUFUWmRLWFczQjFRUGNqTUZNMUVuaHowUVpoeTlieEdOYU5WSzBqSEwzWFRCMGJUeElhZ3lGemR3TjExcUVQWWtpWGp2Nmh4b3ZPQVhibklPN2FTbG1taWtJaDFCa3JXaXZVeU5MeFoyeUE4VEJoUGQ0Zjctemk0Y20yNXcwZXlrUWh5MnJrRERxZw?oc=5) · Coleman TODAY
- 2025-06-29 [Santa Anna National Bank becomes first Texas bank to fail since 2019 - BigCountryHomepage.com](https://news.google.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?oc=5) · BigCountryHomepage.com
- 2025-07-23 [FDIC: Suspected fraud contributed to failure of Santa Anna bank - Brownwood News](https://news.google.com/rss/articles/CBMipwFBVV95cUxNRFpEb2lCREp6ejdIdEdkdHM5cXRkcVpXRjdUSlkyRURUcjdaOEpTOVJPcDExY2w3SjBVX3RWdUFHLUlyZ1hWRzRtX0ltRVNwSUlKV0E4UDhEMWdMRGZvYWl1S2xWNHNhQnVkT3h6OGEwR0dNZFlvOGFmeUlzbFBiSkc4bmpwRGxYVXVlbU1ZNXZ4Qm9OcU5KNS14cE1XTk5fSHlyWnhENA?oc=5) · Brownwood News
- 2025-06-28 [Regulators, Suspecting Fraud, Close Tiny Texas Lender in Year’s Second U.S. Bank Failure - Barron's](https://news.google.com/rss/articles/CBMikwFBVV95cUxORlE5Q19JSHE2RTNwNUNkTkJmMkM3TTVIcnA4ZzBvU19jVkRMVU9zRUd5RGZ0MUpENXYyY2U0ZnNjd2ZXUXBUQVJaSW4wR2xDMTBBc2N3bFdzWkhlTXVXOGZCR2lnMjcxZXgwREtIbUo5d2F4bDY1THBNWUhaaDRVWXU2aXAwSk1uWmkwRmhvcHFsTk0?oc=5) · Barron's
- 2019-03-10 [Mac Anderson Obituary Mar 10, 2019 - Stevens Funeral Home | Coleman, TX](https://news.google.com/rss/articles/CBMiakFVX3lxTE9weUp1Rzg5d3J5dnJabHU3OTUtOG03eWxqek95dkZEVTVjTExLUDluS1c2Z3NRalFhQlhmSWVBY3l6VVIxQWdDeWktR0JIXzFVWXlZc1otMW1OTWJSS0ZVNnEtVVpBbV8tS0E?oc=5) · Stevens Funeral Home | Coleman, TX
- 2025-07-03 [Second Bank Failure in 2025: What Happened to Santa Anna National Bank? - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMirAFBVV95cUxOWjFnb05yM2ZDdWtUcGRyY2RhcnNMVFhOS0xGbUJ2QzU3WmdqOWQ0Zm1mQ0N5Si0zMm04ckFCUG1LbU9RbmM1S3NfMEJXRUtRT0lLeC1oRGVfc1dpNFV1M0hKSzN2YmtNaDNLUTNXeU1mYW5EcTBESEpQbE0xNGVHNjJmUk1JVjBSaE0yeDlZMGFQd2JVd3k2OHE0UVFHSW4wRWVGdXFZa3ZSaWpI?oc=5) · Norada Real Estate Investments

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15480 (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/56.json (key "15480", 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