The Bank of San Jacinto County, Coldspring, Texas: how it compares with its peers
Against 33 TX banks with half to twice its assets, The Bank of San Jacinto County, Coldspring, Texas's strongest measure in Q2 2026 is return on assets (1.61% vs. a 0.87% peer median). Its weakest relative measure is assets per employee ($3.5M vs. $4.8M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.61% | 0.87% | Top third Ahead of 82% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.85% | 3.96% | Top third Ahead of 82% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 68.18% | 75.48% | Top third Ahead of 70% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.5M | $4.8M | Bottom third Ahead of 15% of peers |
| Loans to deposits Net loans and leases over total deposits. | 34.46% | 45.52% | Context |
What it means for lending operations
Its efficiency ratio of 68.18% is better than the 75.48% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Robert Lee State Bank Robert Lee, TX · $43M
- Avana Bank Abilene, TX · $40M
- Houston Bank & Trust Houston, TX · $39M
- The Donley County State Bank Clarendon, TX · $50M
- Lovelady State Bank Lovelady, TX · $53M
Questions about The Bank of San Jacinto County, Coldspring, Texas
How big is The Bank of San Jacinto County, Coldspring, Texas?
The Bank of San Jacinto County, Coldspring, Texas, established in 1963, is headquartered in Coldspring, TX. It reported $42M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The Bank of San Jacinto County, Coldspring, Texas's return on assets?
1.61% annualized in Q2 2026, against a 0.87% median for 33 TX banks with half to twice its assets, ahead of 82% of them.
What is The Bank of San Jacinto County, Coldspring, Texas's efficiency ratio?
68.18% in Q2 2026: it spent about 68 cents in noninterest expense for each dollar of revenue. The peer median is 75.48%, and lower is better.
Is The Bank of San Jacinto County, Coldspring, Texas growing its loans?
Net loans shrank 6.4% over the year to Q2 2026, while deposits shrank 7.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.