BlastPoint's Banking Scorecard

Texas Community Bank

$1B-$10B Specialty: Commercial TX FDIC cert 24563

Designations: ✓ Community bank

Laredo, TX

11 branches across TX

884 banks in the $1B-$10B peer group nationally 80 in TX

Texas Community Bank has 4 strengths but faces 1 concern

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

+ Credit Quality Leader: Top 9.5% in tier
+ Deposit Franchise: Top 62.8% in tier
+ Return on Assets 0.66% above tier average
+ Efficiency Ratio 21.23% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 15.0% in tier

Get updates when Texas Community Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$2.2B +9.8% YoY +1.6% QoQ	-$575.0M	$2.8B -0.1% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	56%
Total Loans ?	$1.1B -2.1% YoY -1.4% QoQ	-$876.7M	$2.0B +0.6% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	36%
Total Deposits ?	$1.9B +12.2% YoY +1.3% QoQ	-$394.3M	$2.3B -0.3% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	58%
Return on Assets ?	2.03% -13.1% YoY -13.2% QoQ	+0.66%	1.37% +19.6% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Top 9.5% in tier
Net Interest Margin ?	4.10% -9.2% YoY -8.8% QoQ	+0.28%	3.82% +6.9% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	76%
Efficiency Ratio ?	39.83% +5.1% YoY +2.0% QoQ	-21.23%	61.06% -4.6% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	Top 7.1% in tier
Delinquency Rate ?	0.18% +102.7% YoY +114.0% QoQ	-0.71%	0.89% +14.1% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	81%
Loan-to-Deposit Ratio ?	55.83% -12.8% YoY -2.7% QoQ	-28.38%	84.20% +0.3% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Top 5.5% in tier
Non-Interest-Bearing Deposit Share ?	36.23% -5.2% YoY -4.1% QoQ	+14.95%	21.29% -2.5% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 7.7% in tier
Nonperforming Asset Ratio ?	0.09% +80.7% YoY +107.6% QoQ	-0.59%	0.67% +15.6% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Top 13.0% in tier
Tier 1 Capital Ratio ?	25.30% -1.5% YoY +5.2% QoQ	+10.14%	15.16% +2.0% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Top 3.8% in tier
Non-Interest Income / Assets ?	0.12% -11.8% YoY -81.2% QoQ	-0.13%	0.26% +1.6% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	42%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (2)

Credit Quality Leader

growth

#22 of 220 • Top 9.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.18%

(Tier: 0.89%, National: 0.95%)

better than tier avg

220 of 220 Mid-Market banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Deposit Franchise

growth

#55 of 86 • Top 62.8% 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: 36.23%

(Tier: 21.29%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.10%

(Tier: 3.82%, National: 3.89%)

better than tier avg

86 of 86 Mid-Market banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

Concerns (1)

Credit Quality Pressure

risk

#78 of 513 • Bottom 15.0% in tier

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

Why this signature

Delinquency Rate: 0.18%

(Tier: 0.89%, National: 0.95%)

better than tier avg

513 of 513 Mid-Market banks match · 1899 nationally

→ Stable +2 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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (8 metrics)

Tier 1 Capital Ratio

capital

Value: 25.30%

Peer Median: 15.16%

#35 of 884 Top 3.8% in $1B-$10B

Loan-to-Deposit Ratio

liquidity

Value: 55.83%

Peer Median: 84.20%

#50 of 884 Top 5.5% in $1B-$10B

Efficiency Ratio

profitability

Value: 39.83%

Peer Median: 61.06%

#64 of 884 Top 7.1% in $1B-$10B

Non-Interest-Bearing Deposit Share

funding

Value: 36.23%

Peer Median: 21.29%

#69 of 884 Top 7.7% in $1B-$10B

Return on Assets

profitability

Value: 2.03%

Peer Median: 1.37%

#85 of 884 Top 9.5% in $1B-$10B

116

Nonperforming Asset Ratio

credit_quality

Value: 0.09%

Peer Median: 0.67%

#116 of 884 Top 13.0% in $1B-$10B

170

Delinquency Rate

credit_quality

Value: 0.18%

Peer Median: 0.89%

#170 of 880 Top 19.2% in $1B-$10B

214

Net Interest Margin

profitability

Value: 4.10%

Peer Median: 3.82%

#214 of 884 Top 24.1% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available