Texas Community Bank
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Data as of · sourced from FFIEC call reports. How we update
Texas Community Bank is an FDIC-insured commercial bank headquartered in Laredo, TX, established in 1983 (FDIC certificate 24563), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $2.20B, up 4.8% from Q2 2025, the 51st largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 25.01% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 24563
- Headquarters
- Laredo, TX
- Established
- 1983
- Total assets, Q2 2026
- $2.20B
- Assets vs Q2 2025
- +4.8%
- CET1 ratio, Q2 2026
- 25.01%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 114011011
- Holding company
- VISION BANCSHARES, INC.
- Asset rank in state
- 51st of 346 in Texas
Texas Community Bank carries far more capital than most banks of its size. It reported $2.2 billion in assets at June 30, 2026, up 4.8% from a year earlier. It holds common equity equal to 25.01% of its risk-weighted assets, about double the median of 13.52% for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it holds about two-thirds of its deposits (64%) above the FDIC insurance limit, about double the median of 30.9% for banks its size.
Deposits are coming in faster than loans: over the year loans rose 2.9% and deposits rose 6.5%.
As of June 30, 2026, Texas Community Bank reported a CET1 capital ratio of 25.01%, a return on assets of 2.06%, a nonperforming-loan ratio of 0.20% and a Texas ratio of 0.80%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Texas Community Bank is the 51st largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.6% to $2.20B, loans rose 3.2% and deposits fell 1.6%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 31.2% of total loans, ahead of owner-occupied commercial real estate loans at 19.9%. Its 10 offices in the FDIC Summary of Deposits are in 6 cities in TX; its Laredo 3 offices book 77% of its branch deposits. By the capital ratios in its Q2 2026 call report, Texas Community Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 6721 Mcpherson Rd, Laredo, TX 78041
- County
- Webb
- Metro Area
- Laredo, TX
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- June 20, 1983
- Former names
- Texas Community Bank, National Association (2003-2013)
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 237
- Domestic deposits
- $1.92B
- Allowance for credit losses
- $22.8M
- Net charge-offs (YTD)
- $273K
- Average total assets
- $2.18B
- Average total loans
- $1.14B
- Average interest-bearing deposits
- $1.21B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 20, 1983
- FDIC Cert
- 24563
- Fed RSSD
- 528960
- SEC CIK
- 1264121 → filed by VISION BANCSHARES, INC.
- Website
- www.tx-communitybank.com →
- Parent Holding Company
- VISION BANCSHARES, INC. (RSSD 3211012)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Texas Community Bank's total assets ranged from $1.93B (Q4 2023) to $2.24B (Q1 2026), 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
$2.20B total assets against $2.10B; $1.93B total liabilities against $1.81B.
$1.12B net loans and leases against $1.09B; $1.92B total deposits against $1.80B.
$779.1M securities against $598.6M; $241.4M cash and balances due against $355.8M.
$29.1M total interest income against $30.4M; $6.8M total interest expense against $7.4M.
$22.3M net interest income against $22.9M.
$3.0M total noninterest income against $3.0M; $10.6M total noninterest expense against $9.9M.
$450K provision for credit losses against $450K.
$11.2M net income against $12.2M.
2.06% return on assets against 2.38%; 4.08% net interest margin against 4.60%.
25.01% CET1 capital ratio against 26.79%; 12.78% tier 1 leverage ratio against 14.15%.
Inside the full Texas Community 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.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Texas Community Bank rankings
Its closest position to the top of a national ranking is 27 of 980, for uninsured deposits; its furthest is 2,806 of 3,640, for Texas Ratio.
Metric pages for Texas Community Bank: CET1 ratio, Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.06% (Q2 2026) to 2.50% (Q3 2024) and its net interest margin ran from 4.08% (Q2 2026) to 4.79% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 25.01% | 2.06% | 0.20% | 0.80% | 4.08% |
| Q1 2026 | 25.30% | 2.09% | 0.18% | 0.66% | 4.15% |
| Q4 2025 | 24.04% | 2.41% | 0.08% | 0.32% | 4.33% |
| Q3 2025 | 25.92% | 2.34% | 0.09% | 0.32% | 4.56% |
| Q2 2025 | 26.79% | 2.38% | 0.05% | 0.18% | 4.60% |
| Q1 2025 | 25.69% | 2.37% | 0.09% | 0.32% | 4.49% |
| Q4 2024 | 25.09% | 2.36% | 0.03% | 0.10% | 4.66% |
| Q3 2024 | 24.89% | 2.50% | 0.04% | 0.15% | 4.79% |
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 |
|---|---|---|---|
| Texas Community Bank (main office) | Laredo , TX | 78041 | $1.45B |
| Del Rio - Veteran's Blvd Branch | Del Rio , TX | 78840 | $202.5M |
| Somerset Branch | Somerset , TX | 78069 | $60.4M |
| Texas Community Bank-Las Campanas Branch | San Antonio , TX | 78248 | $47.7M |
| Brownsville Boca Chica Branch | Brownsville , TX | 78521 | $47.6M |
| S.A. 410 Loop Branch | San Antonio , TX | 78216 | $43.1M |
| Mcallen Nolana Branch | Mcallen , TX | 78504 | $24.1M |
| Guadalupe Branch | Laredo , TX | 78043 | $19.0M |
| Pecan Street Branch | Del Rio , TX | 78840 | $18.7M |
| Mines Branch | Laredo , TX | 78045 | $6.6M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 3 against individuals associated with it
- Period: Most recent action July 18, 2023. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in TX, rank 70 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 93 applications, 67 loans originated, $25.8M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- SBA 7(a) lending, 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 Community Bank
What are Texas Community Bank's total assets?
As of the Q2 2026 filing, Texas Community Bank reported total assets of $2.20 billion in its FFIEC call report.
Where is Texas Community Bank headquartered?
It is headquartered in Laredo, TX, United States.
When was Texas Community Bank founded?
It was established in 1983, per the FDIC institution directory.
Is Texas Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #24563). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Texas Community Bank?
Texas Community Bank's primary federal regulator is the Federal Reserve.
What is Texas Community Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 25.01% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Texas Community Bank operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Texas Community Bank's Texas Ratio?
Its Texas Ratio is 0.80% 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 Community Bank previously called?
The charter now named Texas Community Bank has also operated as Texas Community Bank, National Association (2003-2013), per FDIC structure-change records.
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