Texas Community Bank: 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.
Reserve coverage of non-performing loans dropped 17.38 percentage points in Q2 2026, from 1203.15% to 1185.77%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Texas Community Bank is 59th of 345 on return on assets, 2.06% as of Q2 2026, above the middle of the field. Texas Community Bank's return on assets of 2.06% is well above the 1.28% median for banks in the $1B-10B asset tier, a gap of 0.78 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 25.01% |
| Tier 1 risk-based capital ratio | 25.01% |
| Total risk-based capital ratio | 26.27% |
| Tier 1 leverage ratio | 12.78% |
| Equity capital to assets | 12.51% |
| Tangible equity to tangible assets | 12.51% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.17% |
| Non-performing assets ratio | 0.09% |
| Net charge-off ratio | 0.07% |
| Texas ratio | 0.80% |
| Allowance for credit losses to loans | 1.98% |
| Reserve coverage of non-performing loans | 1185.77% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.06% |
| Return on equity | 16.19% |
| Net interest margin | 4.08% |
| Efficiency ratio | 41.85% |
| Yield on earning assets | 5.32% |
| Cost of funds | 1.41% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 59.79% |
| Core deposits to total deposits | 76.90% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.98% |
| Securities to assets | 35.34% |
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 | 23.90% | 23.90% | 25.16% | 12.39% | 2.44% |
| Q4 2023 | 24.16% | 24.16% | 25.43% | 12.66% | 2.31% |
| Q1 2024 | 24.85% | 24.85% | 26.11% | 13.32% | 2.43% |
| Q2 2024 | 24.72% | 24.72% | 25.98% | 13.45% | 2.52% |
| Q3 2024 | 24.89% | 24.89% | 26.15% | 13.45% | 2.50% |
| Q4 2024 | 25.09% | 25.09% | 26.35% | 13.82% | 2.36% |
| Q1 2025 | 25.69% | 25.69% | 26.95% | 14.15% | 2.37% |
| Q2 2025 | 26.79% | 26.79% | 28.05% | 14.15% | 2.38% |
| Q3 2025 | 25.92% | 25.92% | 27.18% | 13.94% | 2.34% |
| Q4 2025 | 24.04% | 24.04% | 25.31% | 12.33% | 2.41% |
| Q1 2026 | 25.30% | 25.30% | 26.57% | 12.85% | 2.09% |
| Q2 2026 | 25.01% | 25.01% | 26.27% | 12.78% | 2.06% |
Texas Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas Community Bank, 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24563) · FFIEC NIC profile (RSSD 528960)