What are the current interest rates at Coleman County State Bank?

Current rates for Coleman County State Bank include: 12-Month CD: 2.94%, 18-Month CD: 2.94%, 24-Month CD: 2.99%, 36-Month CD: 3.09%, 60-Month CD: 3.20%, Savings: 0.50%

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Coleman County State Bank

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Coleman County State Bank Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Coleman County State Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 19, 2026

Coleman County State Bank's 60-Months 60-Month Business Certificates of Deposit rates are at 3.30%, 60-Months 60-Month Certificates of Deposit rates are at 3.30%, 36-Months 36-Month Business Certificates of Deposit rates are at 3.20%, 36-Months 36-Month Certificates of Deposit rates are at 3.20%, 60-Months 60-Month Business Certificates of Deposit rates are at 3.20%. Coleman County State Bank's savings rates are at 0.50%. MonitorBankRates evaluates the financial stability of Coleman County State Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.33%. Rates last updated and verified on 09/19/2026.

Coleman County State Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Coleman County State Bank? Share your experience about Coleman County State Bank by leaving a review below, or read customer reviews before you decide to use Coleman County State Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.33%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Coleman County State Bank

118 W Pecan St
Coleman, TX 76834

https://www.colemanbank.com

Coleman County State Bank CD Rates

Product	Rate	APY	Term
60 Month Business Certificates of Deposit	3.25%	3.30%	60 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
60 Month Certificates of Deposit	3.25%	3.30%	60 Months
Min Balance $100,000 Details APY = Annual Percentage Yield; Penalties apply for early withdrawals from certificate accounts. The rate for certificates of deposit (CD) is fixed for the term of the CD and is determined based upon the term and the amount of the opening deposit. Rates are subject to change without notice. Interest for CDs is compounded monthly and credited monthly. Other restrictions may apply. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
36 Month Business Certificates of Deposit	3.15%	3.20%	36 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
36 Month Certificates of Deposit	3.15%	3.20%	36 Months
Min Balance $100,000 Details APY = Annual Percentage Yield; Penalties apply for early withdrawals from certificate accounts. The rate for certificates of deposit (CD) is fixed for the term of the CD and is determined based upon the term and the amount of the opening deposit. Rates are subject to change without notice. Interest for CDs is compounded monthly and credited monthly. Other restrictions may apply. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
60 Month Business Certificates of Deposit	3.15%	3.20%	60 Months
Min Balance $1,000 Details Balance: $1,000 Minimum Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
60 Month Certificates of Deposit	3.15%	3.20%	60 Months
Min Balance $1,000 Details APY = Annual Percentage Yield; Penalties apply for early withdrawals from certificate accounts. The rate for certificates of deposit (CD) is fixed for the term of the CD and is determined based upon the term and the amount of the opening deposit. Rates are subject to change without notice. Interest for CDs is compounded monthly and credited monthly. Other restrictions may apply. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
24 Month Business Certificates of Deposit	3.05%	3.09%	24 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
24 Month Certificates of Deposit	3.05%	3.09%	24 Months
Min Balance $100,000 Details APY = Annual Percentage Yield; Penalties apply for early withdrawals from certificate accounts. The rate for certificates of deposit (CD) is fixed for the term of the CD and is determined based upon the term and the amount of the opening deposit. Rates are subject to change without notice. Interest for CDs is compounded monthly and credited monthly. Other restrictions may apply. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
36 Month Business Certificates of Deposit	3.05%	3.09%	36 Months
Min Balance $1,000 Details Balance: $1,000 Minimum Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
36 Month Certificates of Deposit	3.05%	3.09%	36 Months
Min Balance $1,000 Details APY = Annual Percentage Yield; Penalties apply for early withdrawals from certificate accounts. The rate for certificates of deposit (CD) is fixed for the term of the CD and is determined based upon the term and the amount of the opening deposit. Rates are subject to change without notice. Interest for CDs is compounded monthly and credited monthly. Other restrictions may apply. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
12 Month Business Certificates of Deposit	3.00%	3.04%	12 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
12 Month Certificates of Deposit	3.00%	3.04%	12 Months
Min Balance $100,000 Details APY = Annual Percentage Yield; Penalties apply for early withdrawals from certificate accounts. The rate for certificates of deposit (CD) is fixed for the term of the CD and is determined based upon the term and the amount of the opening deposit. Rates are subject to change without notice. Interest for CDs is compounded monthly and credited monthly. Other restrictions may apply. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
18 Month Business Certificates of Deposit	3.00%	3.04%	18 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
18 Month Certificates of Deposit	3.00%	3.04%	18 Months
Min Balance $100,000 Details APY = Annual Percentage Yield; Penalties apply for early withdrawals from certificate accounts. The rate for certificates of deposit (CD) is fixed for the term of the CD and is determined based upon the term and the amount of the opening deposit. Rates are subject to change without notice. Interest for CDs is compounded monthly and credited monthly. Other restrictions may apply. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
182 Day Business Certificates of Deposit	2.95%	2.99%	182 Days
Min Balance $100,000 Details Balance: $100,000 Minimum Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
182 Day Certificates of Deposit	2.95%	2.99%	182 Days
Min Balance $100,000 Details APY = Annual Percentage Yield; Penalties apply for early withdrawals from certificate accounts. The rate for certificates of deposit (CD) is fixed for the term of the CD and is determined based upon the term and the amount of the opening deposit. Rates are subject to change without notice. Interest for CDs is compounded monthly and credited monthly. Other restrictions may apply. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
24 Month Business Certificates of Deposit	2.95%	2.99%	24 Months
Min Balance $1,000 Details Balance: $1,000 Minimum Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
24 Month Certificates of Deposit	2.95%	2.99%	24 Months
Min Balance $1,000 Details APY = Annual Percentage Yield; Penalties apply for early withdrawals from certificate accounts. The rate for certificates of deposit (CD) is fixed for the term of the CD and is determined based upon the term and the amount of the opening deposit. Rates are subject to change without notice. Interest for CDs is compounded monthly and credited monthly. Other restrictions may apply. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
12 Month Business Certificates of Deposit	2.90%	2.94%	12 Months
Min Balance $1,000 Details Balance: $1,000 Minimum Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
12 Month Certificates of Deposit	2.90%	2.94%	12 Months
Min Balance $1,000 Details APY = Annual Percentage Yield; Penalties apply for early withdrawals from certificate accounts. The rate for certificates of deposit (CD) is fixed for the term of the CD and is determined based upon the term and the amount of the opening deposit. Rates are subject to change without notice. Interest for CDs is compounded monthly and credited monthly. Other restrictions may apply. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
18 Month Business Certificates of Deposit	2.90%	2.94%	18 Months
Min Balance $1,000 Details Balance: $1,000 Minimum Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
18 Month Certificates of Deposit	2.90%	2.94%	18 Months
Min Balance $1,000 Details APY = Annual Percentage Yield; Penalties apply for early withdrawals from certificate accounts. The rate for certificates of deposit (CD) is fixed for the term of the CD and is determined based upon the term and the amount of the opening deposit. Rates are subject to change without notice. Interest for CDs is compounded monthly and credited monthly. Other restrictions may apply. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
90 Day Business Certificates of Deposit	2.90%	2.94%	90 days
Min Balance $100,000 Details Balance: $100,000 Minimum Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
90 Day Certificates of Deposit	2.90%	2.94%	90 days
Min Balance $100,000 Details APY = Annual Percentage Yield; Penalties apply for early withdrawals from certificate accounts. The rate for certificates of deposit (CD) is fixed for the term of the CD and is determined based upon the term and the amount of the opening deposit. Rates are subject to change without notice. Interest for CDs is compounded monthly and credited monthly. Other restrictions may apply. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
182 Day Business Certificates of Deposit	2.85%	2.89%	182 Days
Min Balance $1,000 Details Balance: $1,000 Minimum Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
182 Day Certificates of Deposit	2.85%	2.89%	182 Days
Min Balance $1,000 Details APY = Annual Percentage Yield; Penalties apply for early withdrawals from certificate accounts. The rate for certificates of deposit (CD) is fixed for the term of the CD and is determined based upon the term and the amount of the opening deposit. Rates are subject to change without notice. Interest for CDs is compounded monthly and credited monthly. Other restrictions may apply. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
60 Day Business Certificates of Deposit	2.85%	2.89%	60 Days
Min Balance $100,000 Details Balance: $100,000 Minimum Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
60 Day Certificates of Deposit	2.85%	2.89%	60 Days
Min Balance $100,000 Details APY = Annual Percentage Yield; Penalties apply for early withdrawals from certificate accounts. The rate for certificates of deposit (CD) is fixed for the term of the CD and is determined based upon the term and the amount of the opening deposit. Rates are subject to change without notice. Interest for CDs is compounded monthly and credited monthly. Other restrictions may apply. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
90 Day Business Certificates of Deposit	2.80%	2.84%	90 days
Min Balance $1,000 Details Balance: $1,000 Minimum Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
90 Day Certificates of Deposit	2.80%	2.84%	90 days
Min Balance $1,000 Details APY = Annual Percentage Yield; Penalties apply for early withdrawals from certificate accounts. The rate for certificates of deposit (CD) is fixed for the term of the CD and is determined based upon the term and the amount of the opening deposit. Rates are subject to change without notice. Interest for CDs is compounded monthly and credited monthly. Other restrictions may apply. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
60 Day Business Certificates of Deposit	2.75%	2.78%	60 Days
Min Balance $1,000 Details Balance: $1,000 Minimum Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
60 Day Certificates of Deposit	2.75%	2.78%	60 Days
Min Balance $1,000 Details APY = Annual Percentage Yield; Penalties apply for early withdrawals from certificate accounts. The rate for certificates of deposit (CD) is fixed for the term of the CD and is determined based upon the term and the amount of the opening deposit. Rates are subject to change without notice. Interest for CDs is compounded monthly and credited monthly. Other restrictions may apply. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%

Coleman County State Bank Savings Rates

Product	Rate	APY
IRA Savings	3.00%	3.04%
Min Deposit $100 Min Balance $100 Details Balance: $100 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Business Money Market Savings	2.00%	2.02%
Min Deposit $1,000 Min Balance $100,000 Details Balance: >= $100,000.01 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Business Platinum Savings	2.00%	2.02%
Min Deposit $10,000 Min Balance $75,000 Details Balance: $75,000.01 and up Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Money Market Savings	2.00%	2.02%
Min Deposit $1,000 Min Balance $100,000 Details Balance: >= $100,000.01 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Platinum Savings	2.00%	2.02%
Min Deposit $10,000 Min Balance $75,000 Details Balance: $75,000.01 and up Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Business Money Market Savings	1.25%	1.25%
Min Deposit $1,000 Min Balance $75,000 Details Balance: $75,000.01 - $100,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Money Market Savings	1.25%	1.25%
Min Deposit $1,000 Min Balance $75,000 Details Balance: $75,000.01 - $100,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Business Money Market Savings	0.55%	0.55%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.01 - $75,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Business Platinum Savings	0.55%	0.55%
Min Deposit $10,000 Min Balance $25,000 Details Balance: $25,000.01 - $75,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Money Market Savings	0.55%	0.55%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.01 - $75,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Platinum Savings	0.55%	0.55%
Min Deposit $10,000 Min Balance $25,000 Details Balance: $25,000.01 - $75,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Business Money Market Savings	0.50%	0.50%
Min Deposit $1,000 Min Balance $0 Details Balance: <= $25,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Business Platinum Savings	0.50%	0.50%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $25,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Money Market Savings	0.50%	0.50%
Min Deposit $1,000 Min Balance $0 Details Balance: <= $25,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Platinum Savings	0.50%	0.50%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $25,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Business Regular Savings	0.25%	0.25%
Min Deposit $100 Min Balance $0 Details Balance: $0.01 and up Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Regular Savings	0.25%	0.25%
Min Deposit $100 Min Balance $0 Details Balance: $0.01 and up Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%

Coleman County State Bank Money Market Rates

Product	Rate	APY
Business Money Market Savings	2.00%	2.02%
Min Deposit $1,000 Min Balance $100,000 Details Balance: >= $100,000.01 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Money Market Savings	2.00%	2.02%
Min Deposit $1,000 Min Balance $100,000 Details Balance: >= $100,000.01 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Business Money Market Savings	1.25%	1.25%
Min Deposit $1,000 Min Balance $75,000 Details Balance: $75,000.01 - $100,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Money Market Savings	1.25%	1.25%
Min Deposit $1,000 Min Balance $75,000 Details Balance: $75,000.01 - $100,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Business Money Market Savings	0.55%	0.55%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.01 - $75,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Money Market Savings	0.55%	0.55%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.01 - $75,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Business Money Market Savings	0.50%	0.50%
Min Deposit $1,000 Min Balance $0 Details Balance: <= $25,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Money Market Savings	0.50%	0.50%
Min Deposit $1,000 Min Balance $0 Details Balance: <= $25,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%

Coleman County State Bank Checking Rates

Product	Rate	APY
Business Rewards Checking	2.75%	2.78%
Min Deposit $100 Min Balance $25,000 Details Qualifications Required: enroll in eStatements; 1 direct deposit or 1 ACH per monthly qualification cycle; 10 debit card transactions posted to your Rewards checking account per qualification cycle; Balance: <= $25,000.00; Rewards Checking is a free checking account with no monthly maintenance fee and no minimum balance requirement after the initial $100 deposit. It earns interest monthly and up to ten (10) foreign ATM surcharge fees per monthly qualification cycle are refunded to the account. To receive rewards from the Rewards checking account, participants must: a) enroll in eStatements; b) have 1 direct deposit or 1 ACH per monthly qualification cycle; and c) have 10 debit card transactions posted to your Rewards checking account per qualification cycle. Click here for Rewards Checking Qualification Calendar. If qualifications are not met, the account will still earn interest at a base rate of 0.05%. However, foreign ATM fees will not be refunded for that time period. Coleman County State Bank reserves the right to modify or discontinue this program at any time. Other restrictions may apply. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Rewards Checking	2.75%	2.78%
Min Deposit $100 Min Balance $25,000 Details Balance: <= $25,000.00; Qualifications Required; a) enroll in eStatements; b) have 1 direct deposit or 1 ACH per monthly qualification cycle; and c) have 10 debit card transactions posted to your Rewards checking account per qualification cycle. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Business Rewards Checking	1.00%	1.01%
Min Deposit $100 Details Qualifications Required: enroll in eStatements; 1 direct deposit or 1 ACH per monthly qualification cycle; 10 debit card transactions posted to your Rewards checking account per qualification cycle; Balance: >= $25,000.01; Rewards Checking is a free checking account with no monthly maintenance fee and no minimum balance requirement after the initial $100 deposit. It earns interest monthly and up to ten (10) foreign ATM surcharge fees per monthly qualification cycle are refunded to the account. To receive rewards from the Rewards checking account, participants must: a) enroll in eStatements; b) have 1 direct deposit or 1 ACH per monthly qualification cycle; and c) have 10 debit card transactions posted to your Rewards checking account per qualification cycle. Click here for Rewards Checking Qualification Calendar. If qualifications are not met, the account will still earn interest at a base rate of 0.05%. However, foreign ATM fees will not be refunded for that time period. Coleman County State Bank reserves the right to modify or discontinue this program at any time. Other restrictions may apply. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Rewards Checking	1.00%	1.01%
Min Deposit $100 Min Balance $25,000 Details Balance: >= $25,000.01; Qualifications Required; a) enroll in eStatements; b) have 1 direct deposit or 1 ACH per monthly qualification cycle; and c) have 10 debit card transactions posted to your Rewards checking account per qualification cycle. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Business NOW Checking Account	0.25%	0.25%
Min Deposit $500 Min Balance $500 Details Avg Balance >= $500.00 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
NOW Checking Account	0.25%	0.25%
Min Deposit $500 Min Balance $500 Details Avg Balance >= $500.00 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Business Rewards Checking	0.05%	0.05%
Min Deposit $100 Details Qualifications Required: enroll in eStatements; 1 direct deposit or 1 ACH per monthly qualification cycle; 10 debit card transactions posted to your Rewards checking account per qualification cycle; Balance: Non-Qualifying Balance; Rewards Checking is a free checking account with no monthly maintenance fee and no minimum balance requirement after the initial $100 deposit. It earns interest monthly and up to ten (10) foreign ATM surcharge fees per monthly qualification cycle are refunded to the account. To receive rewards from the Rewards checking account, participants must: a) enroll in eStatements; b) have 1 direct deposit or 1 ACH per monthly qualification cycle; and c) have 10 debit card transactions posted to your Rewards checking account per qualification cycle. Click here for Rewards Checking Qualification Calendar. If qualifications are not met, the account will still earn interest at a base rate of 0.05%. However, foreign ATM fees will not be refunded for that time period. Coleman County State Bank reserves the right to modify or discontinue this program at any time. Other restrictions may apply. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Rewards Checking	0.05%	0.05%
Min Deposit $100 Details Balance: Non-Qualifying Balance; If qualifications are not met, the account will still earn interest at a base rate of 0.05%. However, foreign ATM fees will not be refunded for that time period. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Coleman County State Bank’s Texas Ratio fell from 3.78% in Q3 2023 to 0.33% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$295M	0.33%	5.0	A+
March 31, 2026	$291M	0.35%	5.0	A+
December 31, 2025	$290M	0.52%	5.0	A+
September 30, 2025	$282M	0.62%	5.0	A+
June 30, 2025	$286M	3.12%	5.0	A+
March 31, 2025	$221M	3.59%	5.0	A+
December 31, 2024	$212M	1.01%	5.0	A+
September 30, 2024	$212M	0.99%	5.0	A+
June 30, 2024	$208M	4.86%	5.0	A+
March 31, 2024	$205M	0.96%	5.0	A+
December 31, 2023	$199M	1.53%	5.0	A+
September 30, 2023	$194M	3.78%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Coleman County State Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Coleman County State Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Coleman County State Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Coleman County State Bank

Bank Holding Company COLEMAN BANCSHARES INC

Address 118 W Pecan St, Coleman, TX 76834 · Coleman

Website https://www.colemanbank.com

FDIC Certificate # 15480

Established 19361015

FDIC Insurance Date 19370401

Domestic Offices 7

Total Branches 7

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.33%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 2.0513%

Return on Equity (ROE) 23.2100%

Non-Performing Loans (NPL) 0.03%

Total Assets $295,137,000

Total Deposits $267,079,000

Equity Capital $26,164,000

Net Income $2,996,000

Headquarters Coleman

Total Branches and Offices 7

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Coleman County State Bank earned the Verified Healthy badge

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Frequently Asked Questions About Coleman County State Bank

How many branches does Coleman County State Bank operate?

Coleman County State Bank currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Coleman County State Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Coleman County State Bank provides members with tools to manage their accounts and build a solid financial history.

Does Coleman County State Bank offer online and mobile banking?

Most modern institutions like Coleman County State Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.colemanbank.com.