Banks TEXAS COMMUNITY BANK

TEXAS COMMUNITY BANK

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

TEXAS COMMUNITY BANK is an 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%. CET1 capital ratio: 24.04%, well above regulatory minimums. NPL ratio: 0.04% · Texas Ratio: 0.15%.

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 Margin4.52%
Yield on Assets6.06%
Cost of Funds1.63%

Asset Quality

NPL Ratio0.04%
Net Charge-Off Ratio0.10%
Texas Ratio0.15%
NPA Ratio0.02%
ACL / Loans1.97%

Capital & Liquidity

CET1 Ratio24.04%
Tier 1 Capital24.04%
Total Capital Ratio25.31%
Leverage Ratio12.33%
Loan-to-Deposit58.50%

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