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Texas Community Bank
Laredo, TX · FDIC Certificate #24563 · Chartered 06/2
Total assets
$2.20B
Total deposits
$1.92B
Total equity
$275.81M
Net loans
$1.12B
Branches (offices)
10
Net income (YTD)
$22.50M
Rank: #565 of 4,213 U.S. banks by assets · #51 of 346 in Texas. Assets changed 4.8% and deposits 6.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.03% |
| Return on equity | 16.38% |
| Net interest margin (YTD) | 4.15% |
| Equity to assets | 12.51% |
| Tier 1 leverage ratio | 12.78% |
| Uninsured deposits (share of deposits) | 63.9% |
| Noncurrent loans (share of loans) | 0.20% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 58.6% |
| Real estate loans (share of loans) | 87.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $980.04M | 87.2% | |
| Commercial & industrial | $143.88M | 12.8% | |
| Consumer / individual | $16.29M | 1.4% | |
| Construction & development | $153.06M | 13.6% | |
| Agricultural | $3.52M | 0.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.06B | $1.87B | $9.41M | $183.42M |
| Jun 2023 | $1.96B | $1.72B | $27.21M | $219.61M |
| Jun 2024 | $1.97B | $1.71B | $23.90M | $258.01M |
| Jun 2025 | $2.10B | $1.80B | $24.28M | $292.94M |
| Jun 2026 | $2.20B | $1.92B | $22.50M | $275.81M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $1.92B | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.92B.
Similar-sized banks
Maspeth Federal Savings And Loan Association ($2.21B) · Chain Bridge Bank, National Association ($2.19B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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