BlastPoint's Banking Scorecard
Texas Community Bank
Community
Specialty: Commercial
TX
FDIC cert 24563
Laredo, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Texas Community Bank has 6 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 13% in Community
- + Deposit Franchise: Top 40% in Community
- + Return on Assets 1.17% above tier
- + Efficiency Ratio 23.58% below tier
- + Loan-to-Deposit Ratio 25.71% below tier
- + Tier 1 Capital Ratio 13.80% above tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 5% in Community
- - Credit Quality Pressure: Bottom 11% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.2B
+5.6% YoY
+2.2% QoQ
|
+$813.1M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
82% |
| Total Loans ? |
$1.1B
+2.4% YoY
-2.0% QoQ
|
+$128.1M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
72% |
| Total Deposits ? |
$1.9B
+6.8% YoY
+4.2% QoQ
|
+$759.6M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
84% |
| Return on Assets ? |
2.34%
-3.3% YoY
+0.6% QoQ
|
+1.17% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 4% in tier |
| Net Interest Margin ? |
4.49%
-5.2% YoY
-1.0% QoQ
|
+0.83% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 13% in tier |
| Efficiency Ratio ? |
39.05%
+3.1% YoY
+1.4% QoQ
|
-23.58% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 4% in tier |
| Delinquency Rate ? |
0.08%
+212.5% YoY
-7.4% QoQ
|
-0.54% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
57.35%
-4.1% YoY
-6.0% QoQ
|
-25.71% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
37.80%
+1.0% YoY
+6.8% QoQ
|
+16.75% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 6% in tier |
| Nonperforming Asset Ratio ? |
0.04%
+203.0% YoY
-11.3% QoQ
|
-0.46% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 12% in tier |
| Tier 1 Capital Ratio ? |
24.04%
-4.2% YoY
-7.2% QoQ
|
+13.80% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 3% in tier |
| Non-Interest Income / Assets ? |
0.66%
+19.4% YoY
+61.4% QoQ
|
-0.08% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
66% |
Signature Analysis
Strengths (6)
Credit Quality Leader
growth
#48 of 371 · Top 13% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.08%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Deposit Franchise
growth
#60 of 150 · Top 40% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
37.80%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.49%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Top 4%
in Community
Why this stands out
Current:
2.34%
(Tier avg: 1.16%, National avg: 1.12%)
Efficiency Ratio
metric
Top 4%
in Community
Why this stands out
Current:
39.05%
(Tier avg: 62.63%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 7%
in Community
Why this stands out
Current:
57.35%
(Tier avg: 83.06%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 3%
in Community
Why this stands out
Current:
24.04%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (2)
Credit Risk Growth
risk
#30 of 642 · Bottom 5% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Credit Quality Pressure
risk
#92 of 808 · Bottom 11% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.08%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Tier 1 Capital Ratio
Current: 24.04% · Tier avg: 10.24%
96
96th pctile
Efficiency Ratio
Current: 39.05% · Tier avg: 62.63%
96
96th pctile
Return on Assets
Current: 2.34% · Tier avg: 1.16%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 37.80% · Tier avg: 21.05%
93
93th pctile
Loan-to-Deposit Ratio
Current: 57.35% · Tier avg: 83.06%
88
88th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.50%
87
87th pctile
Net Interest Margin
Current: 4.49% · Tier avg: 3.66%
84
84th pctile
Total Deposits
Current: $1.9B · Tier avg: $1.2B
83
83th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.63%
82
82th pctile
Total Assets
Current: $2.2B · Tier avg: $1.4B
72
72th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
66
66th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.74%
Top Weaknesses
66
66th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.74%
72
72th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
82
82th pctile
Total Assets
Current: $2.2B · Tier avg: $1.4B
83
83th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.63%
84
84th pctile
Total Deposits
Current: $1.9B · Tier avg: $1.2B
87
87th pctile
Net Interest Margin
Current: 4.49% · Tier avg: 3.66%
88
88th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.50%
93
93th pctile
Loan-to-Deposit Ratio
Current: 57.35% · Tier avg: 83.06%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 37.80% · Tier avg: 21.05%
96
96th pctile
Return on Assets
Current: 2.34% · Tier avg: 1.16%
96
96th pctile
Efficiency Ratio
Current: 39.05% · Tier avg: 62.63%
97
97th pctile
Tier 1 Capital Ratio
Current: 24.04% · Tier avg: 10.24%