Colonial Savings, F.A.: how it compares with its peers
Against 142 TX banks with half to twice its assets, Colonial Savings, F.A.'s strongest measure in Q2 2026 is assets per employee ($8.7M vs. a $7.3M peer median). Its weakest relative measure is return on assets (-2.41% vs. 1.48%).
| Measure | Colonial Savings, F.A. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -2.41% | 1.48% | Bottom third Ahead of 0% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.27% | 4.25% | Bottom third Ahead of 13% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 192.24% | 60.35% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.7M | $7.3M | Top third Ahead of 70% of peers |
| Loans to deposits Net loans and leases over total deposits. | 44.13% | 74.74% | Context |
What it means for lending operations
Its efficiency ratio of 192.24% is above the 60.35% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The First National Bank of Mertzon Mertzon, TX · $500M
- Citizens State Bank Sealy, TX · $507M
- Texas Republic Bank, National Association Frisco, TX · $511M
- Citizens State Bank Woodville, TX · $511M
- Citizens Bank Kilgore, TX · $489M
- The Brenham National Bank Brenham, TX · $518M
Questions about Colonial Savings, F.A.
How big is Colonial Savings, F.A.?
Colonial Savings, F.A., established in 1962, is headquartered in Fort Worth, TX. It reported $502M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Colonial Savings, F.A.'s return on assets?
-2.41% annualized in Q2 2026, against a 1.48% median for 142 TX banks with half to twice its assets, ahead of 0% of them.
What is Colonial Savings, F.A.'s efficiency ratio?
192.24% in Q2 2026: it spent about 192 cents in noninterest expense for each dollar of revenue. The peer median is 60.35%, and lower is better.
Is Colonial Savings, F.A. growing its loans?
Net loans shrank 83.4% over the year to Q2 2026, while deposits shrank 58.1%.
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.