Stockmens National Bank in Cotulla
Cotulla, TX·RSSD 818652·FDIC 14864·bank:818652·CBLR opted in
- #300 of 352Total assets in Texas
- 1offices
- 16employees
- Top 8%Loan quality vs. peers
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Stockmens National Bank in Cotulla
2 of 25 FORFI signals stand out against 1223 similar banks, based on FDIC data for the quarter.
Loans shrinking while the peer median growsNotable: Lending 2nd quarter-16.2%peers +5.3%-21.5 pp
Stockmens National Bank in Cotulla's loans declined 16.2% over the past year to $25.1 million. The median among 1206 similar banks was +5.3%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| -16.2% | +5.3% | -21.5 pp |
| Loans | ||
| $25.1 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Stockmens National Bank in Cotulla itself is left out of every peer median and percentile. How signals work
Problem loans falling while the peer median holds steadyStrength: Asset quality 2nd quarter0.00%peers 0.38%-38 bps
Stockmens National Bank in Cotulla's noncurrent loans (nonaccrual plus 90+ days past due) as a share of loans fell 345 bps over the past year to 0.00%. Among 1206 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Noncurrent loans (nonaccrual plus 90+ days past due) as a share of loans | ||
| 0.00% | 0.38% | -38 bps |
| 12-month change | ||
| -345 bps | 0 bps | -345 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Stockmens National Bank in Cotulla itself is left out of every peer median and percentile. How signals work
Where Stockmens National Bank in Cotulla differs most from peers
Loan-to-deposit ratio among the lowest of similar banksContext: Liquidity22.5%peers 77.5%-55.0 pp
Stockmens National Bank in Cotulla's loans as a share of deposits was 22.5%, compared with a median of 77.5% among 1213 similar banks: lower than 99% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Loans as a share of deposits | ||
| 22.5% | 77.5% | -55.0 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Stockmens National Bank in Cotulla itself is left out of every peer median and percentile. How signals work
Key facts
- Stockmens National Bank in Cotulla is a bank headquartered in Cotulla, Texas. It reported $124 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $112 million, up 13.4% from a year earlier, and loans totaled $25.1 million, down 16.2%.
- Its net interest margin was 3.36% and its annualized return on assets was 1.58% for the quarter.
- Its cost of all deposits was 1.10%, compared with a median of 1.68% among 1213 similar banks with $100 million to $300 million in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Stockmens National Bank in Cotulla's own data, FORFI would look at: Which borrowers are behind the loan growth, and what else those relationships need.
Analysis workspaces
Sources and identifiers
- Institution
- Stockmens National Bank in Cotulla · Bank
- Federal Reserve RSSD
- 818652
- FDIC certificate
- 14864
- Reporting period
- Peer group
- 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Stockmens National Bank in Cotulla itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $483K | — | |
| $1.25M | — | |
| $302K | — | |
| $948K | — | |
| $105K | — | |
| $570K | — | |
| $0 | — | |
| $0 | — | |
| 1.58% | 1.57%ROAQ · Quarter | |
| 3.36% | 3.36%NIMYQ · Quarter | |
| 54.13% | 54.13%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.