Texas Advantage Community Bank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 27.63 percentage points lower than in Q1 2026, at 16.37%. Texas Advantage Community Bank, N.A. has the 32nd lowest return on assets of the 345 banks headquartered in Texas, at 0.46% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Texas Advantage Community Bank, N.A. reported 0.46% on return on assets in Q2 2026, 0.80 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 24.87% |
| Tier 1 risk-based capital ratio | 24.87% |
| Total risk-based capital ratio | 25.94% |
| Tier 1 leverage ratio | 11.33% |
| Equity capital to assets | 11.30% |
| Tangible equity to tangible assets | 11.30% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 7.09% |
| Non-performing assets ratio | 2.99% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 25.39% |
| Allowance for credit losses to loans | 1.16% |
| Reserve coverage of non-performing loans | 16.37% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.46% |
| Return on equity | 4.09% |
| Net interest margin | 3.31% |
| Efficiency ratio | 81.46% |
| Yield on earning assets | 5.36% |
| Cost of funds | 2.11% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 47.35% |
| Core deposits to total deposits | 67.31% |
| Brokered deposits to total deposits | 29.57% |
| Deposits to assets | 88.34% |
| Securities to assets | 28.40% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 23.35% | 23.35% | 24.24% | 10.01% | 1.16% |
| Q4 2023 | 17.34% | 17.34% | 18.20% | 10.38% | 0.27% |
| Q1 2024 | 17.40% | 17.40% | 18.31% | 10.35% | 0.45% |
| Q2 2024 | 17.90% | 17.90% | 18.86% | 10.52% | 0.99% |
| Q3 2024 | 18.65% | 18.65% | 19.65% | 10.54% | 0.56% |
| Q4 2024 | 19.14% | 19.14% | 20.20% | 10.55% | 0.73% |
| Q1 2025 | 17.96% | 17.96% | 18.94% | 11.12% | 0.72% |
| Q2 2025 | 23.03% | 23.03% | 24.27% | 11.26% | 0.61% |
| Q3 2025 | 24.56% | 24.56% | 25.66% | 11.60% | 0.50% |
| Q4 2025 | 20.90% | 20.90% | 21.82% | 11.96% | 0.35% |
| Q1 2026 | 22.99% | 22.99% | 23.99% | 11.93% | 0.26% |
| Q2 2026 | 24.87% | 24.87% | 25.94% | 11.33% | 0.46% |
Texas Advantage Community Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas Advantage Community Bank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Texas Advantage Community Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58450) · FFIEC NIC profile (RSSD 3485215)