TEXAS COMMUNITY BANK

LAREDO, TX | Large | Est. June 20, 1983, midnight | FDIC #24563 | RSSD #528960 | FED
Latest Report: 2025-12-31

TEXAS COMMUNITY BANK is aln large FDIC-insured commercial bank headquartered in LAREDO, TX, established in June 20, 1983, midnight. As of 2025-12-31, the bank reported total assets of $2.2B and total deposits of $1.9B. Profitability stands at 2.38% ROA and 18.30% ROE, with a net interest margin of 4.52%. The bank's CET1 capital ratio is 24.04%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.04% and a Texas Ratio of 0.15%. FDIC Certificate #24563.

Assets

$2.2B

Deposits

$1.9B

Loans

$1.1B

Equity

$270M

Profitability

Return on Assets (ROA) 2.38%
Return on Equity (ROE) 18.30%
Net Interest Margin (NIM) 4.52%
Yield on Assets 6.06%
Cost of Funds 2.58%

Asset Quality

NPL Ratio 0.04%
Net Charge-Off Ratio 0.10%
Texas Ratio 0.15%
NPA Ratio 0.02%
ACL / Loans 1.97%

Capital & Liquidity

CET1 Ratio 24.04%
Tier 1 Capital 24.04%
Total Capital Ratio 25.31%
Leverage Ratio 12.33%
Loan-to-Deposit 58.50%

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