Bk San Jacinto Cnty Coldspri
Coldspring, Texas · FDIC Cert #18942
This is the FDIC profile for Bk San Jacinto Cnty Coldspri, an FDIC-insured bank (Certificate #18942) with $46M in total assets and $40M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Coldspring, Texas, the bank maintains a Tier 1 capital ratio of 15.11% (Well-Capitalized) and a nonperforming loan ratio of 0.00%. BankHealthData assigns a composite Health Grade of A (100/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bk San Jacinto Cnty Coldspri (FDIC cert 18942) is a community bank — $46M in total assets, $40M in deposits, serving the Coldspring, Texas area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 15.11% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.00% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is very high: 71.4% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is strong: return on assets of 2.10% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Bk San Jacinto Cnty Coldspri carries a composite BankHealth grade of A (100/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bk San Jacinto Cnty Coldspri
- Total Assets
- $46M
- Total Deposits
- $40M
- Tier 1 Capital Ratio
- 15.11%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.00%
- Liquidity Ratio
- 71.45%
- Return on Assets
- 2.10%
- Headquarters
- Coldspring, Texas
- FDIC Certificate
- #18942
- Health Grade
- A (100/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Bk San Jacinto Cnty Coldspri files quarterly Call Reports with the FDIC under Certificate #18942. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Bk San Jacinto Cnty Coldspri holds a Tier 1 capital ratio of 15.11%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bk San Jacinto Cnty Coldspri has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bk San Jacinto Cnty Coldspri shows strong financial health indicators. With $46M in assets and a Health Score of 100/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bk San Jacinto Cnty Coldspri Compares
Bk San Jacinto Cnty Coldspri’s Health Score of 100 is 15 points above the Texas state average of 85 across 321 FDIC-insured banks. Its 15.11% Tier 1 capital ratio is 1.1 points above the US banking industry average near 14%. The 0.00% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 2.10% is in line with or above the national ROA benchmark of ~1.1%. Among 492 similarly-sized banks, the average Health Score is 83, meaning this bank ranks above its size cohort. Site-wide, Bk San Jacinto Cnty Coldspri is 20 points above the portfolio average of 80.
Frequently Asked Questions
Bk San Jacinto Cnty Coldspri has a Bank Health Score of A (100/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 15.11%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bk San Jacinto Cnty Coldspri's Tier 1 capital ratio of 15.11% and nonperforming loan ratio of 0.00% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bk San Jacinto Cnty Coldspri is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #18942). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bk San Jacinto Cnty Coldspri holds $46M in total assets and $40M in total deposits. It is headquartered in Coldspring, Texas (FDIC Certificate #18942).
Bk San Jacinto Cnty Coldspri's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #18942 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Bk San Jacinto Cnty Coldspri has a Tier 1 capital ratio of 15.11%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.00%, and the return on assets is 2.10%.
Yes. Bk San Jacinto Cnty Coldspri is FDIC-insured (Certificate #18942). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bk San Jacinto Cnty Coldspri's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.