# TEXAS COMMUNITY BANK
LAREDO, TX · FDIC certificate 24563 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.20B | |
| Deposits | $1.92B | |
| Loans and leases | $1.15B | |
| Total equity | $275.8M | |
| Loans / deposits | 58.60% (p7 of band) | 87.10% |
| Liquid assets / assets | 46.29% (p93 of band) | |
| Uninsured deposits / deposits | 63.90% (p97 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.78% (p82 of band) | 10.50% |
| Unrealized securities loss / equity | -2.17% (p79 of band) | -7.75% |
| AOCI / equity | -2.43% (p3 of band) | |
| ROA (annualized) | 2.03% (p89 of band) | 1.26% |
| Net interest margin | 4.15% (p75 of band) | 3.70% |
| Efficiency ratio | 40.86% (p9 of band) | |
| Noncurrent loans | 0.20% (p23 of band) | 0.51% |
| Net charge-offs (annualized) | 0.02% (p50 of band) | |
| Reserve coverage of noncurrent | 1001.54% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 55.50% (p58 of band) | |
| Auto loans | $3.6M (0.32% of loans; DQ 2.29%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 6.5% | |
| Employees | 237 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | uninsured deposits >50% |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | capital falling |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | deposits shrinking |  |
| 2020-06 | 1 |  | deposits shrinking |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | NIM <2.5% |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 1 |  | capital falling, NIM <2.5% |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 3 | deposits shrinking, assets shrinking |  |
| 2023-09 | 4 | uninsured deposits leaving |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 2 |  | assets shrinking, uninsured deposits leaving |
| 2024-06 | 1 |  | deposits shrinking |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | capital falling |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | capital falling |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-28 [Ask Us 2026: Texas Community Bank has South Texas Roots - lmtonline.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxQYk9FellPQzlGUVRRSlh4TTFyaTdobmp4c0ZpTDM5bUwySUljemstVU9Ya09wanI3czU3VTJBZjdFRWliWFdTbEd1Tm9MU2Z6MWdGdmw0VDdHR20xbE5oMW5KM19aQldlSXV1elZnbVp1dTBlT040VlY0aExiYlQ2NzlPeWNEWGJCampTSUx4ZVkxOFcteV9jLU54VnlIZ00?oc=5) · lmtonline.com
- 2024-08-14 [Texas community banks grapple with national stresses as elevated rates pose new tests - Federal Reserve Bank of Dallas](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBqZkFpQmRqUW54MGdnWG5hNWVhYVliaHdxc2dJSkt1OU5HWjl3UjdIcGJZYW42XzdNSGhuLWJfalhIaDdPbllRc2FlcDVIV29CQnB6UElpcENqQlZVU1hXbw?oc=5) · Federal Reserve Bank of Dallas
- 2013-12-13 [Regulators Close Texas Community Bank - NBC 5 Dallas-Fort Worth](https://news.google.com/rss/articles/CBMihwFBVV95cUxQYUhGTXJ4a3hFQ2NLLVhTNmVhcjgwU1d3eEE3NlpuQlF5VllYOTVya0YyS1VUVkNDeGdpUU5MekU2WHBrME15VGZ4Q0Z3ZVhpTVR4LWN1cUpCZVdZdUd4RGkzZ3FLUGEyNi0zR1NZTkFheDZnc0lGd1BPc3RWQldxWjAtX0xxMmfSAY8BQVVfeXFMT2hsRktNbFZYOEJTc2N3N05KczNWUHM4ZWpQYnZmSEJrYng1VVhoUEVOelZiSEN0b1FzdEFteERsc1JHdGlRbk54eUdzQ0tCSnZWMzBrT0l1SHFpM2I2cTZPR1FWWEJtbFNCVm9MZTUxWm05NUQ4a0x2QXR3bUhVSGYyZVg1b191T3RHZTdKVFk?oc=5) · NBC 5 Dallas-Fort Worth
- 2022-12-07 [Bethany House receives $10K donation from Texas Community Bank - KGNS](https://news.google.com/rss/articles/CBMikgFBVV95cUxNeHRZX1RwZGcyd2J3cTBGUG1HWThsUVdRYTVRd1lodF9KNUpOY2ZiOXZyMDB1NHVFMktPd3YzQW1rN0FpS1ZXWHgwZzYyU0NKUjNOcFVFb0c2Yi1QaU5QTnEwN2NPVHVFN2JFMElfTG5PeUEyOVVGLThiSFQ0YkZxbjF3V1Y5UmFnVHFVU1lnTllsUdIBpgFBVV95cUxQLWdOalpNdW9fMjdxeFRzcGtOSGNLbjFCc21taUhrMW9nTjFfUFVjbE1kQ2hlekt2cmJzSnNlVXc3S0VWMFhrTDYxcy1NN2ZUTHN3dVBBS043VjhUTTlWWldBbUdIM1NTLU4zT3RJYVdEWklUVFhXVFNKYWp3eXhuUzVTZk9ueUdfenRlWGZuOVg5bU1xc3BuR3lxckcxaUJxREY5ek13?oc=5) · KGNS
- 2017-06-09 [Texas Community Bank in Support of the Amigos Always Campaign - Texas Border Business](https://news.google.com/rss/articles/CBMijAFBVV95cUxOT0VPd0pmRFJXZWdrb2xKYnBHSkFBV3ktcllrUFBIXzRGZ29iX1VCdngwY252eW1xYlEwdUUwSTRqam0wS2NMamxGRXZWMEZtM2pMelVUNnJ6ZElWazRYWThCX0VKV2NDZ2t1TXNWQXlEc3BQUzdJSXJEQ2V0M0V3N3k5bjE1bmhJaTRsRA?oc=5) · Texas Border Business
- 2025-04-08 [Best Banks and Credit Unions in Texas 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPaHVBQTVTZmk3enlkTEFtTmNFVlFWMlpoMmJXcXZocEVHeXp1dmNJS1daUkpqVDROaXhqbnRhQXFSRmJfNXNmSkJhYW9UZDctTUl5bzVKQkpuWUpfNDg3TGRSajRaTFFYa2hpX1BUSFh6OGdibzFUX050UktoUmQtdTlqanY2NGM2cWNj?oc=5) · Newsweek Rankings
- 2024-06-17 [Central Texas community bank aims to make homeownership a reality - cbsaustin.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNSjdWeG1yNlVVVnFJbHd2a1lsd3hnVWk2TTB1alkzdjVCUVlaTEgtSlZzUUc2Ylg0S1RqNER5bkR4eDZ3SmNjM0pCbUlYZFlGbFFfVXVYQ1dUSVVYalR4V3ZOY1FMRXEybV9DQkRCeTFnVW5tSU9PSEpoc0pYZ3daRFhyNmRCRHJfcmZBSXcwSEo2V2VuSy1GVjZSS1dZX2JWaVJLbDd2MzVKc00?oc=5) · cbsaustin.com
- 2019-11-21 [North Texas community bank opens first branch inside Houston's Beltway 8 - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxNekh0SHZrN1JuZUNvdHFCWWY3NkVUazI3Z01tUjdmR1JiMnpUamFRM0FjYlRfTEZUcl9ZNzQ4dVJ0WTdtU0llWi1uQW8tdnFZUTFUQVE0ODdUNmR6SW5uaG8zcWxxSlIyV2ZfVWpwazh6bkxsZklSX2xQNXV2MmZ2OVpHVU91ekxkeUhqV1ZHN2VEa2RvVGFwVzZSWVViTE5kX0oxaA?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24563 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/51.json (key "24563", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide