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Texas Community Bank

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

Designations: ✓ Community bank

Laredo, TX

11 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 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
  • Deposits +6.5% year over year ($1.9B on the books).
  • Delinquency rate 0.20%.
  • Return on assets 2.03%.
  • Efficiency ratio 40.86% vs a 59.73% peer average.
  • Loan-to-deposit ratio 58.60% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 78 in TX
View $1B-$10B leaderboard (TX) →

Texas Community Bank has 4 strengths but faces 3 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

  • + Credit Quality Leader: Top 3.2% in tier
  • + Deposit Franchise: Top 63.8% in tier
  • + Efficiency Ratio 18.87% below tier average
  • + ROA 0.64% above tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 11.0% in tier
  • - Liquidity Overhang: Bottom 48.8% in tier
  • - Margin Compression: Bottom 65.9% in tier
Get updates when Texas Community 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 ? $2.2B
+4.8% YoY -1.6% QoQ
-$588.6M $2.8B
-0.6% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
54%
Total Loans ? $1.1B
+2.9% YoY +3.3% QoQ
-$839.4M $2.0B
-0.3% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
39%
Total Deposits ? $1.9B
+6.5% YoY -1.6% QoQ
-$401.3M $2.3B
-0.5% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
57%
Return on Assets ? 2.03%
-13.2% YoY -0.0% QoQ
+0.64% 1.39%
+17.0% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
Top 10.7% in tier
Net Interest Margin ? 4.15%
-8.6% YoY +1.2% QoQ
+0.28% 3.87%
+6.2% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
75%
Efficiency Ratio ? 40.86%
+6.9% YoY +2.6% QoQ
-18.87% 59.73%
-12.6% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
Top 8.2% in tier
Delinquency Rate ? 0.20%
+291.0% YoY +11.6% QoQ
-0.66% 0.87%
+11.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
78%
Loan-to-Deposit Ratio ? 58.60%
-3.4% YoY +5.0% QoQ
-26.43% 85.04%
-0.1% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
Top 6.3% in tier
Non-Interest-Bearing Deposit Share ? 36.96%
-2.3% YoY +2.0% QoQ
+15.69% 21.27%
-1.5% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 6.8% in tier
Nonperforming Asset Ratio ? 0.11%
+301.3% YoY +22.5% QoQ
-0.57% 0.67%
+11.7% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
84%
Tier 1 Capital Ratio ? 25.03%
-6.6% YoY -1.1% QoQ
+10.19% 14.84%
-0.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
Top 3.8% in tier
Non-Interest Income / Assets ? 0.26%
-6.8% YoY +110.0% QoQ
-0.27% 0.53%
+2.5% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
42%

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 37.0%
-0.9pp YoY
+0.7pp QoQ
 +15.6pp 21.4% 29.2% 22.2% 93%
Brokered Deposits n/a n/a 9.5% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 12.8%
-2.0pp YoY
-0.3pp QoQ
 -1.2pp 14.0% 14.8% 12.5% 58%
CRE 70.7%
+2.3pp YoY
-0.2pp QoQ
 +20.7pp 50.0% 48.4% 41.4% 89%
1-4 Family 15.0%
-0.1pp YoY
+0.6pp QoQ
 -11.4pp 26.4% 25.8% 31.3% 30%
Consumer 1.4%
-0.3pp YoY
-0.1pp QoQ
 -3.3pp 4.7% 4.7% 5.0% 54%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 25.0%
-1.8pp YoY
-0.3pp QoQ
 +9.4pp 15.6% 22.7% 19.7% 96%
Leverage Ratio 12.8%
-1.4pp YoY
-0.1pp QoQ
 +1.5pp 11.3% 12.6% 12.6% 83%
Total Capital Ratio 26.3%
-1.8pp YoY
-0.3pp QoQ
 +9.6pp 16.7% 23.8% 20.8% 96%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 237
+7 (+3.0%) YoY
+7 (+3.0%) QoQ
 -77 313 186 482 50%
Assets per Employee ($) $9.3M
+1.7% YoY
-4.5% QoQ
 -$1.2M $10.5M $10.1M $8.8M 58%
Branch Count 11
0 YoY
0 QoQ
 -9 20 12 18 35%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.3% 0.4% 52%
Nonaccrual 0.2%
+0.1pp YoY
0.0pp QoQ
 -0.7pp 0.8% 1.0% 1.0% 18%
Allowance Coverage 10.02x
-74.2% YoY
-12.3% QoQ
 -8.69x 18.71x 18.82x 20.23x 89%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 53%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 16.4%
-0.6pp YoY
-0.1pp QoQ
 +3.8pp 12.6% 13.2% 11.6% 80%
Cost of Funds (YTD) 1.3%
-0.2pp YoY
0.0pp QoQ
 -0.6pp 1.9% 1.6% 1.7% 13%
Net Income ($, YTD) $22.5M
-7.3% YoY
— QoQ
 +$3.3M $19.2M $15.9M $40.4M 74%

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
#8 of 221 • Top 3.2% in tier

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

Why this signature
Delinquency Rate: 0.20%
(Tier: 0.87%, National: 0.98%)
better than tier avg
221 of 221 Mid-Market banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Deposit Franchise

growth
#52 of 80 • Top 63.8% 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: 36.96%
(Tier: 21.27%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.15%
(Tier: 3.87%, National: 3.95%)
better than tier avg
80 of 80 Mid-Market banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (3)

Credit Risk Growth

risk
#45 of 402 • Bottom 11.0% in tier

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

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ

Liquidity Overhang

risk
#85 of 172 • Bottom 48.8% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 25.03%
(Tier: 14.84%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 58.60%
(Tier: 85.04%, National: 79.03%)
better than tier avg
172 of 172 Mid-Market banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Margin Compression

decline
#57 of 85 • Bottom 65.9% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 2.03%
(Tier: 1.39%, National: 1.30%)
better than tier avg
85 of 85 Mid-Market banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank improving

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 885 peers in $1B-$10B

Top Strengths (8 metrics)

35
Tier 1 Capital Ratio
capital
Value: 25.03%
Peer Median: 14.84%
#35 of 885 Top 3.8% in $1B-$10B
57
Loan-to-Deposit Ratio
liquidity
Value: 58.60%
Peer Median: 85.04%
#57 of 885 Top 6.3% in $1B-$10B
61
Non-Interest-Bearing Deposit Share
funding
Value: 36.96%
Peer Median: 21.27%
#61 of 885 Top 6.8% in $1B-$10B
74
Efficiency Ratio
profitability
Value: 40.86%
Peer Median: 59.73%
#74 of 885 Top 8.2% in $1B-$10B
96
Return on Assets
profitability
Value: 2.03%
Peer Median: 1.39%
#96 of 885 Top 10.7% in $1B-$10B
144
Nonperforming Asset Ratio
credit_quality
Value: 0.11%
Peer Median: 0.67%
#144 of 885 Top 16.2% in $1B-$10B
196
Delinquency Rate
credit_quality
Value: 0.20%
Peer Median: 0.87%
#196 of 882 Top 22.1% in $1B-$10B
220
Net Interest Margin
profitability
Value: 4.15%
Peer Median: 3.87%
#220 of 885 Top 24.7% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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