Texas Community Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Texas Community Bank is an FDIC-insured commercial bank. On its most recent Q2 2026 call report, Texas Community reported $2.2B in total assets against $1.9B in deposits. Returns are notably above industry norms: 2.06% ROA, 16.19% ROE, and 4.08% NIM. Capital cushions are healthy: 25.01% CET1, 12.78% Tier 1 leverage. Asset quality is pristine, 0.17% NPLs and a 0.80% Texas Ratio. Texas Community operates a 11-branch network.
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 0.17%, a Texas ratio of 0.80%, per financial data filed with the FFIEC.
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)
- Offices
- 11 domestic
- Employees (FTE)
- 237
- Domestic deposits
- $1.92B
- Allowance for credit losses
- $22.8M
- Net charge-offs (YTD)
- $273K
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Texas Community Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Texas Community 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Texas Community Bank: CET1 ratio, Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 25.01% | 2.06% | 0.17% | 0.80% | 4.08% |
| Q1 2026 | 25.30% | 2.09% | 0.17% | 0.66% | 4.15% |
| Q4 2025 | 24.04% | 2.41% | 0.04% | 0.32% | 4.33% |
| Q3 2025 | 25.92% | 2.34% | 0.04% | 0.32% | 4.56% |
| Q2 2025 | 26.79% | 2.38% | 0.03% | 0.18% | 4.60% |
| Q1 2025 | 25.69% | 2.37% | 0.03% | 0.32% | 4.49% |
| Q4 2024 | 25.09% | 2.36% | 0.03% | 0.10% | 4.66% |
| Q3 2024 | 24.89% | 2.50% | 0.02% | 0.15% | 4.79% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 10 branches →
| 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
What the public regulatory sources show for Texas Community Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 447 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Texas Community Bank headquartered?
Texas Community Bank is headquartered in Laredo, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Texas Community Bank founded?
Texas Community Bank was established in 1983, per the FDIC institution directory.
Is Texas Community Bank FDIC-insured?
Yes. Texas Community Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Texas Community Bank's CET1 capital ratio?
Texas Community Bank 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?
Texas Community Bank 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?
Texas Community Bank's Texas Ratio is 0.80% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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