The Bank of San Jacinto County, Coldspring, Texas

Coldspring, TX

Rating Date

October 2025

Risk Based
Capital Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

Net
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Weiss Ratings	The Bank of San Jacinto County, Coldspring, Texas Coldspring, TX	Click to Compare	Click to Compare	Click to Compare
Rating	B
Asset Quality Index	9.90
Capitalization Index	10.00
Liquidity Index	5.90
Profitability Index	8.60
Stability Index	7.00

Company Info	The Bank of San Jacinto County, Coldspring, Texas Coldspring, TX	Click to Compare	Click to Compare	Click to Compare
FDIC Number	18942
Phone Number	(936) 653-4395
Website	www.banksjc.com

Asset Quality	The Bank of San Jacinto County, Coldspring, Texas Coldspring, TX	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	-3.60%
5-Year Asset Growth	1.94%
5-Year Charge-Offs to Average Loans	-0.01%
Charge-Offs to Average Loans	0.21%
Non-Performing Assets to Assets	0.00%
Non-Performing Loans to Capital	0.00%
Non-Performing Loans to Loans	0.00%

Balance Sheet	The Bank of San Jacinto County, Coldspring, Texas Coldspring, TX	Click to Compare	Click to Compare	Click to Compare
Total Assets	43.48M
Total Deposits	36.90M

Capital and Reserves	The Bank of San Jacinto County, Coldspring, Texas Coldspring, TX	Click to Compare	Click to Compare	Click to Compare
Capital	6.55M
Leverage Ratio	17.15
Loan Loss Reserves to Loans	1.67%
Risk-Based Capital Ratio	--

Liquidity	The Bank of San Jacinto County, Coldspring, Texas Coldspring, TX	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	4.50%
Liquidity Ratio	80.20%

Profitability	The Bank of San Jacinto County, Coldspring, Texas Coldspring, TX	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	1.12%
Net Income	699.00K
Net Interest Spread	4.93%
Operating Profit to Average Assets	2.08%
Overhead Efficiency Ratio	62.80%
Return on Assets	2.08%
Return on Equity	15.77%