Texas Champion Bank
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Data as of · sourced from FFIEC call reports. How we update
Texas Champion Bank is an FDIC-insured commercial bank headquartered in Corpus Christi, TX, established in 1912 (FDIC certificate 11159), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $436.6M, down 0.7% from Q2 2025, the 173rd largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.48% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11159
- Headquarters
- Corpus Christi, TX
- Established
- 1912
- Total assets, Q2 2026
- $436.6M
- Assets vs Q2 2025
- -0.7%
- Tier 1 leverage ratio, Q2 2026
- 10.48%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 114914723
- Holding company
- MESQUITE FINANCIAL SERVICES, INC.
- Asset rank in state
- 173rd of 346 in Texas
Problem loans are rising at Texas Champion Bank. The Corpus Christi, Texas bank had $437 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.39% of loans from 0.07% a year earlier. It holds commercial real estate loans worth 3.4 times its capital, about triple the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 76 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Texas Champion Bank reported a return on assets of 0.96%, a nonperforming-loan ratio of 0.39% and a Texas ratio of 7.32%. The figures come from its call report filed with the FFIEC.
Texas Champion Bank ranks as the 173rd largest of the 346 banks based in Texas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.9% to $436.6M, loans rose 1.3% and deposits fell 2.7%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 38.0% of total loans, ahead of owner-occupied commercial real estate loans at 16.9%. Its 10 offices in the FDIC Summary of Deposits are in 9 cities in TX; its Corpus Christi 2 offices book 33% of its branch deposits. On its Q2 2026 call report, Texas Champion Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 6124 S Staples St, Corpus Christi, TX 78413
- County
- Nueces
- Metro Area
- Corpus Christi, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 12, 1912
- Former names
- The Bank of Alice (1989-2005)
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 85
- Domestic deposits
- $329.2M
- Allowance for credit losses
- $4.0M
- Net charge-offs (YTD)
- $22K
- Average total assets
- $438.8M
- Average total loans
- $341.2M
- Average interest-bearing deposits
- $199.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11159
- Fed RSSD
- 579364
- Parent Holding Company
- MESQUITE FINANCIAL SERVICES, INC. (RSSD 2314260)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Texas Champion Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Texas Champion Bank's total assets ranged from $430.6M (Q3 2023) to $453.2M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$436.6M total assets against $439.9M; $388.9M total liabilities against $393.9M.
$342.9M net loans and leases against $340.0M; $329.2M total deposits against $331.2M.
$23.4M securities against $4.1M; $44.0M cash and balances due against $68.2M.
$6.5M total interest income against $6.5M; $1.9M total interest expense against $1.9M.
$4.6M net interest income against $4.6M.
$313K total noninterest income against $517K; $3.7M total noninterest expense against $3.7M.
-$145K provision for credit losses against $0.
$1.0M net income against $1.1M.
0.96% return on assets against 1.04%; 4.52% net interest margin against 4.52%.
10.48% tier 1 leverage ratio against 10.25%.
Inside the full Texas Champion Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Texas Champion Bank rankings
Its closest position to the top of a national ranking is 919 of 3,640, for Texas Ratio; its furthest is 3,095 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.80% (Q4 2025) to 1.12% (Q3 2024) and its net interest margin ran from 4.27% (Q1 2026) to 4.52% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.48% | 0.96% | 0.39% | 7.32% | 4.52% |
| Q1 2026 | 9.81% | 0.84% | 0.40% | 7.70% | 4.27% |
| Q4 2025 | 10.26% | 0.80% | 0.52% | 5.37% | 4.48% |
| Q3 2025 | 10.25% | 0.97% | 0.46% | 7.38% | 4.50% |
| Q2 2025 | 10.25% | 1.04% | 0.07% | 4.71% | 4.52% |
| Q1 2025 | 10.19% | 0.84% | 0.68% | 4.86% | 4.31% |
| Q4 2024 | 10.01% | 0.83% | 0.13% | 0.98% | 4.49% |
| Q3 2024 | 9.64% | 1.12% | 0.07% | 0.55% | 4.33% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Kenedy Branch | Kenedy , TX | 78119 | $69.0M |
| Calallen Branch | Corpus Christi , TX | 78410 | $57.4M |
| Texas Champion Bank (main office) | Corpus Christi , TX | 78413 | $50.5M |
| Alice Branch | Alice , TX | 78332 | $40.2M |
| Beeville Branch | Beeville , TX | 78102 | $26.3M |
| George West Branch | George West , TX | 78022 | $24.1M |
| Bitters Road Branch | San Antonio , TX | 78248 | $23.6M |
| Benavides Branch | Benavides , TX | 78341 | $14.9M |
| Pleasanton Branch | Pleasanton , TX | 78064 | $13.3M |
| Charlotte Branch | Charlotte , TX | 78011 | $9.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 1, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2006 | Structure Change | Acquired First-Nichols National Bank of Kenedy Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 15, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 15, 1998 | Structure Change | Acquired The Country Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve). These actions name the parent holding company, MESQUITE FINANCIAL SERVICES, INC., not the bank itself
- July 6, 2017, Federal Reserve: Written Agreement: Mesquite Financial Services, Inc.
- Period: Most recent institution action July 6, 2017. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 228 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 5 loans, $1.0M approved, $209K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Texas Champion Bank
What are Texas Champion Bank's total assets?
As of the Q2 2026 filing, Texas Champion Bank reported total assets of $436.6 million in its FFIEC call report.
Where is Texas Champion Bank headquartered?
It is headquartered in Corpus Christi, TX, United States.
When was Texas Champion Bank founded?
It was established in 1912, per the FDIC institution directory.
Is Texas Champion Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11159). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Texas Champion Bank?
Texas Champion Bank's primary federal regulator is the FDIC.
How many branches does Texas Champion Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Texas Champion Bank's Texas Ratio?
Its Texas Ratio is 7.32% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Texas Champion Bank previously called?
The charter now named Texas Champion Bank has also operated as The Bank of Alice (1989-2005), per FDIC structure-change records.
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