# COLONIAL SAVINGS FA
FORT WORTH, TX · FDIC certificate 31361 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $501.8M | |
| Deposits | $255.3M | |
| Loans and leases | $114.4M | |
| Total equity | $237.9M | |
| Loans / deposits | 44.13% (p4 of band) | 82.04% |
| Liquid assets / assets | 73.62% (p99 of band) | |
| Uninsured deposits / deposits | 21.93% (p36 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 46.07% (p99 of band) | 10.81% |
| Unrealized securities loss / equity | -4.27% (p66 of band) | -8.10% |
| AOCI / equity | 0.00% (p74 of band) | |
| ROA (annualized) | -2.41% (p0 of band) | 1.28% |
| Net interest margin | 3.27% (p18 of band) | 3.91% |
| Efficiency ratio | 192.24% (p100 of band) | |
| Noncurrent loans | 0.38% (p47 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 389.55% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 1.65% (p6 of band) | |
| Auto loans | $260,000 (0.23% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -58.1% | |
| Employees | 58 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | wholesale funding >15%, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 3 | securities losses >30% of equity | wholesale funding >15% |
| 2011-09 | 3 |  |  |
| 2011-12 | 4 | loans exceed deposits, wholesale funding >15% | securities losses >30% of equity |
| 2012-03 | 4 |  |  |
| 2012-06 | 5 | uninsured deposits leaving |  |
| 2012-09 | 4 |  | wholesale funding >15% |
| 2012-12 | 5 | wholesale funding >15% |  |
| 2013-03 | 3 |  | loans exceed deposits, wholesale funding >15% |
| 2013-06 | 2 |  | uninsured deposits leaving |
| 2013-09 | 3 | deposits shrinking |  |
| 2013-12 | 4 | assets shrinking |  |
| 2014-03 | 4 |  |  |
| 2014-06 | 3 |  | deposits shrinking |
| 2014-09 | 3 | capital falling | assets shrinking |
| 2014-12 | 4 | wholesale funding >15%, uninsured deposits leaving | capital falling |
| 2015-03 | 3 | expense ratio p90 | wholesale funding >15%, uninsured deposits leaving |
| 2015-06 | 5 | wholesale funding >15%, capital falling |  |
| 2015-09 | 4 |  | wholesale funding >15% |
| 2015-12 | 4 | assets shrinking | capital falling |
| 2016-03 | 4 |  |  |
| 2016-06 | 5 | wholesale funding >15%, capital falling | assets shrinking |
| 2016-09 | 4 |  | wholesale funding >15% |
| 2016-12 | 5 | wholesale funding >15% |  |
| 2017-03 | 5 |  |  |
| 2017-06 | 4 | assets shrinking | capital falling, wholesale funding >15% |
| 2017-09 | 5 | deposits shrinking |  |
| 2017-12 | 5 |  |  |
| 2018-03 | 4 |  | deposits shrinking |
| 2018-06 | 5 | deposits shrinking |  |
| 2018-09 | 6 | capital falling |  |
| 2018-12 | 6 | wholesale funding >15%, uninsured deposits leaving | assets shrinking, capital falling |
| 2019-03 | 5 | losing money | wholesale funding >15%, uninsured deposits leaving |
| 2019-06 | 3 |  | deposits shrinking, losing money |
| 2019-09 | 4 | capital falling |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 5 | losing money, charge-offs p90, uninsured deposits leaving | expense ratio p90, capital falling |
| 2020-06 | 4 | expense ratio p90 | charge-offs p90, uninsured deposits leaving |
| 2020-09 | 4 |  |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 2 |  | losing money, expense ratio p90 |
| 2021-06 | 5 | expense ratio p90, deposits shrinking, assets shrinking |  |
| 2021-09 | 7 | liquid assets <10%, capital falling |  |
| 2021-12 | 6 | wholesale funding >15% | assets shrinking, liquid assets <10% |
| 2022-03 | 7 | liquid assets <10%, leverage <7%, assets shrinking | expense ratio p90, wholesale funding >15% |
| 2022-06 | 7 | loans exceed deposits | assets shrinking |
| 2022-09 | 6 | expense ratio p90 | capital falling, leverage <7% |
| 2022-12 | 7 | wholesale funding >15% |  |
| 2023-03 | 10 | capital falling, losing money, NIM <2.5% |  |
| 2023-06 | 10 | uninsured deposits leaving | capital falling |
| 2023-09 | 9 |  | deposits shrinking |
| 2023-12 | 9 | brokered >10% | uninsured deposits leaving |
| 2024-03 | 7 |  | losing money, brokered >10% |
| 2024-06 | 6 |  | liquid assets <10% |
| 2024-09 | 5 |  | wholesale funding >15% |
| 2024-12 | 8 | wholesale funding >15%, liquid assets <10%, deposits shrinking |  |
| 2025-03 | 9 | assets shrinking |  |
| 2025-06 | 7 |  | wholesale funding >15%, liquid assets <10% |
| 2025-09 | 5 | charge-offs p90 | loans exceed deposits, expense ratio p90, NIM <2.5% |
| 2025-12 | 3 |  | noncurrent p90, reserve under noncurrent |
| 2026-03 | 4 | losing money, expense ratio p90 | charge-offs p90 |
| 2026-06 | 4 |  |  |

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

- 2025-10-30 [Fort Worth bank to lay off 130 employees, customers ‘not impacted’ - Fort Worth Star-Telegram](https://news.google.com/rss/articles/CBMiggFBVV95cUxOTnpyNUVLbGp5OFJzaGdFMXJHSjgzTVM3OHg0MzJwSmdmc2hjbm1BakVpRXJrcy1nd2gxN3NnQVVLTW5DeHNjZFR5S0xVX2lFRERDRHhvOHQtdVhOVlNYeWYwZjVlTlk3ZVdjUkxRVlNmVERtVGZvM1RHTzVWcU80UURn0gGCAUFVX3lxTFBoMlpyMktEWDg3MUZoSzJ5MVdFS291OEZjdHVEZXBfRVpIUmlLWFB6dlpDczlsUmNMZGctRmNJZUZpbFlXUFRFbEstMThHbktkLXdDQkFmbUtDMWVBeXZWeDI4eXVzbk1iOFFKZms1eHNfbjRzdVFGbEhBZ2ZFLTZnUmc?oc=5) · Fort Worth Star-Telegram
- 2023-05-25 [Colonial Savings, F.A. to Cease Mortgage Origination Business, Focus on Full-Service Banking and Mortgage Servicing - PR Newswire](https://news.google.com/rss/articles/CBMi-wFBVV95cUxORm9qSHlydzF0aXhvMHpHbGxnTlR1bndfeV92dUQ5NGlwYXVaUjEtQkJDeXdLeEhRZzFiQ1BiV25CdFU0YlR1Wm5nQVhBTTVhMFJmbVFDTDUxOGZkdEJ1ZWFqMnRDdlpWUFljTkpGcnV6c1laalpnbVhKMXIxWXFVOWgtZEZ1ZDRNZDVqOTA5MmFQdnZ0UUtCR3gydDFoYzZUdDMyd19xVnFwdHhwRjJud2VDWmJEVVNWVjcwR0gyMm1zUU01eFZvaWNLVllZa1BqVDRHQlBfTktHLTNyMklSOTdUV2tmN21iMFdfZGhlLUVpa2UyRHE1S00wVQ?oc=5) · PR Newswire
- 2023-05-25 [Colonial Savings to exit mortgage origination business - HousingWire](https://news.google.com/rss/articles/CBMilwFBVV95cUxNRDJJc0MxcWJUREdrOXBCcFo4Q2RKc0JpR2lucTlYaENmVG5zbkwwLWZOcEV4T2ZZRmVTbzNNQ0FoNnlVcUtjLTh4bll3WkN2S1FESUJ2WVlWTkduVWp4R0ZoejFBRlQtNlVDeVVjOU1tdHZ3MFBJTF8zeU5XRmRkUVFYV1JJcHRaS1RwYnU5Qm1NRUR5T2pJ?oc=5) · HousingWire
- 2023-06-12 [Colonial Savings will exit the mortgage origination business. Here's why. - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxPQUcwNEJaeUxmS1FiM0dFUHppM2hydTFHdUFrTk5XY3NlSzc2QjlQN0lwSmtNcVFwN1BpM1Ata0k0d1BMeXp5TFBNVDQ1TWVBYmk5ZmpOclFtYzdZQWphYThxUjc4eWFOSV90c1JKQVg3VzFKLXRqcjFLdTlzcFZhOU9SVzROYmlxLTZ5NGNRdWZvTWx0aVZHYlRPQkw0em8?oc=5) · The Business Journals
- 2017-12-05 [Colonial Savings Founder, Chairman Emeritus Jimmy DuBose Passes Away - MBA Newslink](https://news.google.com/rss/articles/CBMi5AFBVV95cUxNOXdBaWtXZ3BoTU1ZSEY4UXNIUGo4Rm1zS1RuZnUwLUVpbkJKZzRkQ0dqWWFONm1Sc2k1X05reFpvNWs3dXRRS2ZRbV9vdWg3YTNMcHN1Y0pPdjdMQTlURHdCSWdXaTNZblFRaGN6bTU1ZnFfZ1g0TmpKVWp2Q3dFVFpGTENwdFhGUzUwTDQ0bjNacGI3VGljWjZBcnVvbnRicGg5R0tTc1p2M01nRGdnVDBTc1UtS1oxcEkwUmlBbml0QTV4dWQ1dFhTNjNqcVNqSzc3Mzc4aGFPZ0lLOVhWYnB4QXU?oc=5) · MBA Newslink
- 2023-06-01 [DFW Bank Snapshot: Colonial Savings F.A. - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxQai1JbkdXZ204cUZ3M3JORDRtQVlTaklCbG9sdXBEUTVINDdTLWgxU240cHRCakN2MUVXWEY0eWhydTlGRlliQkFxVERLc01IVVFvM29teWJFaW9BMnQzWi1HTllseTlwU0tqeUVId3YzSzF5OURXRFZRa1lULTNpbk5UR3FBRUoyUVhaZ2RQVFlzaUo4YmxPNXN3?oc=5) · The Business Journals
- 2019-09-11 [[Event] Residential Mortgage Regulatory Enforcement & Litigation - October 29th-30th, Dallas, TX - jdsupra.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxOVnNyMHJkSjVJUFYwQUt5RllRZDNyVy1UUmJmS0JqY0ktN0JGTHJXakVCLTRxY01EU3ZMcDR5WnBlRUkwUkRzczdBcU50X2Nia3A0RFp4UUgyVnhodkJTLXhNcXJEbmhQREdYUDZJMlQyMXdRUk1IYjdxY0czMXMwZXBqS1k?oc=5) · jdsupra.com
- 2025-10-31 [Colonial Savings, others plan hundreds of layoffs in DFW - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxPX2N5d203c28yeTRERlphWmZHcDIwZlZBTmV3cWxrN01WUmVWZVpMcVNFQlptYjQ3NnpNellKTXdRLXJPaU9VNHh5N2E2cjhRTFpEMlpjSEZlS1FzQW8yaDQ1WVBHQUpTNEoxcWF6MmpHVkRxSHpoWEsyWWVDTHVRZWhFcXlSZzFCU0VtWF9XODhCOEtJTDZQcQ?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=31361 (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/1.json (key "31361", 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