Colonial Savings Fa
Fort Worth, Texas · FDIC Cert #31361
Colonial Savings Fa is an FDIC-insured bank (Certificate #31361) with $1.1B in total assets and $707M in total deposits as of the Q2 2024 Call Report. Headquartered in Fort Worth, Texas, the bank maintains a Tier 1 capital ratio of 18.09% (Well-Capitalized) and a nonperforming loan ratio of 3.56%. BankHealthData assigns a composite Health Grade of C (52/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Colonial Savings Fa (FDIC cert 31361) is a mid-sized bank with $1.1B in total assets and $707M in deposits, based in Fort Worth, Texas. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 18.09% 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 elevated: non-performing loan ratio of 3.56% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is thin: 10.3% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is thin: ROA of 0.24% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. 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. Colonial Savings Fa carries a composite BankHealth grade of C (52/100) 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: Colonial Savings Fa
- Total Assets
- $1.1B
- Total Deposits
- $707M
- Tier 1 Capital Ratio
- 18.09%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 3.56%
- Liquidity Ratio
- 10.27%
- Return on Assets
- 0.24%
- Headquarters
- Fort Worth, Texas
- FDIC Certificate
- #31361
- Health Grade
- C (52/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Colonial Savings Fa holds a Tier 1 capital ratio of 18.09%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Colonial Savings Fa has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Colonial Savings Fa shows average financial health. While not alarming, its Health Score of 52/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
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 Colonial Savings Fa Compares
Colonial Savings Fa’s Health Score of 52 is 22 points below the Texas state average of 74 across 321 FDIC-insured banks. Its 18.09% Tier 1 capital ratio is 4.1 points above the US banking industry average near 14%. The 3.56% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.24% is below the national ROA benchmark of ~1.1%. Among 989 similarly-sized banks, the average Health Score is 71, meaning this bank ranks below its size cohort. Site-wide, Colonial Savings Fa is 18 points below the portfolio average of 70.
Frequently Asked Questions
Colonial Savings Fa has a Bank Health Score of C (52/100), placing it in average financial health. It holds a Tier 1 capital ratio of 18.09%, 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. Colonial Savings Fa's Tier 1 capital ratio of 18.09% and nonperforming loan ratio of 3.56% indicate an average 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 Colonial Savings Fa is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #31361). 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.
Colonial Savings Fa holds $1.1B in total assets and $707M in total deposits. It is headquartered in Fort Worth, Texas (FDIC Certificate #31361).
Colonial Savings Fa has a Tier 1 capital ratio of 18.09%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 3.56%, and the return on assets is 0.24%.
Yes. Colonial Savings Fa is FDIC-insured (Certificate #31361). 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 C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Colonial Savings Fa's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.