Texas Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Texas Community Bank of Laredo, TX against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.06% | 1.46% | +0.60% | 89th top |
| ROAE | 16.19% | 12.71% | +3.48% | 78th top |
| Net Interest Margin | 4.08% | 3.85% | +0.23% | 74th above |
| Efficiency Ratio | 41.85% | 57.42% | -15.57% | 90th top |
| PPNR / Avg Assets | 2.70% | 1.88% | +0.82% | 90th top |
| Yield on Earning Assets | 5.32% | 5.72% | -0.40% | 36th below |
| Cost of Funds | 1.41% | 2.02% | -0.61% | 83rd top |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.11% | 3.18% | -0.07% | 53rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.17% | 1.00% | -0.83% | 83rd top |
| NPA / Total Assets | 0.09% | 0.76% | -0.67% | 87th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.43% | -0.36% | 35th below |
| ACL / Total Loans | 1.98% | 1.31% | +0.67% | 96th top |
| ACL / NPLs (Coverage) | 1185.77% | 542.79% | +642.98% | — |
| Texas Ratio | 0.80% | 7.39% | -6.59% | 89th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 329.67% | 618.89% | -289.22% | 69th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 25.01% | 17.33% | +7.68% | 96th top |
| Tier 1 Ratio | 25.01% | 17.36% | +7.65% | 95th top |
| Total Capital Ratio | 26.27% | 18.41% | +7.86% | 95th top |
| Leverage Ratio | 12.78% | 11.44% | +1.34% | 83rd top |
| Equity / Assets | 12.51% | 11.33% | +1.18% | 81st top |
| TCE / Tangible Assets | 12.51% | 10.50% | +2.01% | 87th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 59.79% | 86.98% | -27.19% | 94th top |
| Core Deposit Ratio | 76.90% | 85.56% | -8.66% | 16th bottom |
| Uninsured Deposit Ratio | 63.90% | 33.10% | +30.80% | 3rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.76% | 9.69% | -4.93% | 47th below |
| Loan Growth (Y/Y) | 2.87% | 8.06% | -5.19% | 34th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.49% | 7.87% | -1.38% | 60th above |
See Texas Community Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Texas Community Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Texas Community Bank profile, how to read a UBPR, or how this data updates.