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Texas Champion Bank

$100M-$1B Specialty: Commercial TX FDIC cert 11159

Corpus Christi, TX

10 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
  • Deposits -0.6% year over year ($329.2M on the books).
  • Delinquency rate 0.39%.
  • Return on assets 0.90%.
  • Efficiency ratio 75.22% vs a 64.48% peer average.
  • Loan-to-deposit ratio 104.16% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

Texas Champion Bank has 2 strengths but faces 8 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 66.2% in tier
  • + Delinquency Rate 0.53% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 10.9% in tier
  • - Deposit Outflow: Bottom 11.2% in tier
  • - Capital Thin: Bottom 15.3% in tier
  • - Flatlined Growth: Bottom 20.2% in tier
  • - Credit Quality Pressure: Bottom 43.5% in tier
  • - Liquidity Strain: Bottom 43.9% in tier
  • - ROA 0.42% below tier average
  • - Efficiency Ratio 10.74% above tier average
Get updates when Texas Champion Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $436.6M
-0.7% YoY -1.9% QoQ
+$50.0M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
66%
Total Loans ? $342.9M
+0.8% YoY +1.3% QoQ
+$84.6M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
73%
Total Deposits ? $329.2M
-0.6% YoY -2.7% QoQ
+$2.5M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
60%
Return on Assets ? 0.90%
-2.4% YoY +5.4% QoQ
-0.42% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
28%
Net Interest Margin ? 4.48%
+0.3% YoY +0.7% QoQ
+0.49% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
79%
Efficiency Ratio ? 75.22%
+1.9% YoY +1.0% QoQ
+10.74% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
20%
Delinquency Rate ? 0.39%
+466.8% YoY -2.2% QoQ
-0.53% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
51%
Loan-to-Deposit Ratio ? 104.16%
+1.5% YoY +4.1% QoQ
+26.21% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
Bottom 6.3% in tier
Non-Interest-Bearing Deposit Share ? 36.85%
-14.4% YoY -1.2% QoQ
+14.82% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 7.4% in tier
Nonperforming Asset Ratio ? 0.83%
+62.6% YoY -1.2% QoQ
+0.17% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
25%
Tier 1 Capital Ratio ? 10.48%
+2.3% YoY +6.9% QoQ
-5.43% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
16%
Non-Interest Income / Assets ? 0.15%
-20.7% YoY +100.4% QoQ
-0.42% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
33%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 36.8%
-6.2pp YoY
-0.5pp QoQ
 +14.7pp 22.1% 29.2% 22.2% 92%
Brokered Deposits 1.0%
0.0pp YoY
0.0pp QoQ
 -6.9pp 7.9% 8.0% 8.5% 18%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 9.5%
+0.4pp YoY
-1.2pp QoQ
 -2.0pp 11.6% 14.8% 12.5% 49%
CRE 67.0%
+1.3pp YoY
+1.0pp QoQ
 +27.4pp 39.5% 48.4% 41.4% 91%
1-4 Family 13.1%
-0.4pp YoY
+0.1pp QoQ
 -19.5pp 32.6% 25.8% 31.3% 16%
Consumer 1.2%
-0.1pp YoY
-0.1pp QoQ
 -2.9pp 4.1% 4.7% 5.0% 34%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.7% 19.7% n/a
Leverage Ratio 10.5%
+0.2pp YoY
+0.7pp QoQ
 -1.7pp 12.2% 12.6% 12.6% 41%
Total Capital Ratio n/a n/a 19.9% 23.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 85
-5 (-5.6%) YoY
+1 (+1.2%) QoQ
 +26 58 186 482 80%
Assets per Employee ($) $5.1M
+5.1% YoY
-3.0% QoQ
 -$2.4M $7.5M $10.1M $8.8M 16%
Branch Count 10
0 YoY
0 QoQ
 +5 4 12 18 90%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 0.4%
+0.3pp YoY
0.0pp QoQ
 -0.5pp 0.9% 1.0% 1.0% 46%
Allowance Coverage 3.00x
-81.8% YoY
-0.2% QoQ
 -21.16x 24.15x 18.82x 20.23x 58%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
-0.1pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 47%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 8.5%
-0.3pp YoY
+0.3pp QoQ
 -3.7pp 12.2% 13.2% 11.6% 28%
Cost of Funds (YTD) 1.9%
0.0pp YoY
-0.1pp QoQ
 +0.2pp 1.7% 1.6% 1.7% 63%
Net Income ($, YTD) $2.0M
-1.1% YoY
— QoQ
 -$543K $2.6M $15.9M $40.4M 52%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth
#185 of 278 • Top 66.2% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 36.85%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.48%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank declining

Concerns (6)

Credit Risk Growth

risk
#103 of 936 • Bottom 10.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Deposit Outflow

decline
#61 of 535 • Bottom 11.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

Capital Thin

risk
#102 of 661 • Bottom 15.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.48%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Flatlined Growth

risk
#108 of 529 • Bottom 20.2% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.90%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Credit Quality Pressure

risk
#547 of 1256 • Bottom 43.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.39%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Liquidity Strain

risk
#304 of 691 • Bottom 43.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 104.16%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

196
Non-Interest-Bearing Deposit Share
funding
Value: 36.85%
Peer Median: 22.03%
#196 of 2643 Top 7.4% in $100M-$1B
555
Net Interest Margin
profitability
Value: 4.48%
Peer Median: 3.99%
#555 of 2643 Top 21.0% in $100M-$1B

Top Weaknesses (3 metrics)

2478
Loan-to-Deposit Ratio
liquidity
Value: 104.16%
Peer Median: 77.95%
#2478 of 2643 Bottom 6.3% in $100M-$1B
2209
Tier 1 Capital Ratio
capital
Value: 10.48%
Peer Median: 15.91%
#2209 of 2643 Bottom 16.5% in $100M-$1B
2110
Efficiency Ratio
profitability
Value: 75.22%
Peer Median: 64.48%
#2110 of 2643 Bottom 20.2% in $100M-$1B
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