TellerScore

Texas Champion Bank (FDIC certificate #11159) is based in Corpus Christi, Texas. Its Q2 2026 call report shows $436.6M in total assets and $329.2M in deposits and 10 offices.

Texas Champion Bank has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 274th. Loan quality contributes the most (87/100, 0.39%); funding & liquidity contributes the least (40/100, 104% loans-to-deposits, 30% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion55/100
Tier 1 leverage ratio: 10.48%
Loan quality87/100
Noncurrent loans ÷ total loans: 0.39%
Earnings56/100
Return on assets (annualized): 0.90%
Funding & liquidity40/100
Loans ÷ deposits and uninsured-deposit share: 104.2% · 30.0% uninsured
Problem-loan coverage86/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 7.04%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (67 → 64), mostly because the loan quality component weakened by 11 points.

TellerScore
606467Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202465
Q4 202465
Q1 202560
Q2 202567
Q3 202564
Q4 202563
Q1 202662
Q2 202664
Tier 1 leverage ratio
5.00%7.74%10.48%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.62%
Q3 20249.64%
Q4 202410.01%
Q1 202510.19%
Q2 202510.25%
Q3 202510.25%
Q4 202510.26%
Q1 20269.81%
Q2 202610.48%
Noncurrent loans
0.07%0.37%0.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.08%
Q3 20240.07%
Q4 20240.13%
Q1 20250.68%
Q2 20250.07%
Q3 20250.46%
Q4 20250.52%
Q1 20260.40%
Q2 20260.39%
Return on assets
0.84%0.89%0.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.84%
Q3 20240.94%
Q4 20240.91%
Q1 20250.84%
Q2 20250.93%
Q3 20250.94%
Q4 20250.90%
Q1 20260.86%
Q2 20260.90%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$436.6M10.48%0.39%0.90%104.2%
Q1 202662$445.0M9.81%0.40%0.86%100.1%
Q4 202563$453.2M10.26%0.52%0.90%97.0%
Q3 202564$441.9M10.25%0.46%0.94%102.1%
Q2 202567$439.9M10.25%0.07%0.93%102.7%
Q1 202560$433.1M10.19%0.68%0.84%106.2%
Q4 202465$444.0M10.01%0.13%0.91%103.8%
Q3 202465$440.2M9.64%0.07%0.94%105.0%
Q2 202464$447.5M9.62%0.08%0.84%105.8%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.48%
41st
Total risk-based capital0.00%
24th
Problem loans0.39%
51st
Net charge-offs0.01%
44th
Return on assets0.90%
29th
Net interest margin4.48%
79th
Efficiency ratio75.2%
20th
Loans to deposits104.2%
6th
Uninsured deposits30.0%
28th
Loan-loss reserves1.17%
47th
Texas ratio7.0%
26th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Broadstreet Bank S S BBank Mineola, TX70 out of 100, Strong$442.8M12.1%0.44%vs
West Texas State BankBank Snyder, TX60 out of 100, Moderate$443.7M10.5%1.77%vs
The Lamesa National BankBank Lamesa, TX73 out of 100, Strong$426.8M12.0%1.74%vs
Texas State BankBank San Angelo, TX91 out of 100, Very strong$425.5M13.6%0.00%vs
The Commercial National Bank of BradyBank Brady, TX78 out of 100, Strong$425.4M10.2%0.00%vs
The Liberty National Bank in ParisBank Paris, TX75 out of 100, Strong$452.1M12.8%0.88%vs

Deposit insurance

Is my money safe at Texas Champion Bank?

Yes. Texas Champion Bank is an FDIC-insured institution (FDIC certificate #11159). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 30.0% of deposits ($98.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.48%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

10 locations

Branches

Texas Champion Bank lists 10 offices in 9 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Texas Champion Bank
Former names
The Bank of Alice; Sandia State Bank
Type
State-chartered bank
FDIC certificate #
11159
RSSD ID
579364
Primary regulator
FDIC
Holding company
Mesquite Finl Services Inc
Established
August 12, 1912
Headquarters
6124 S Staples St, Corpus Christi, TX 78413
Employees
85

Quick answers

Texas Champion Bank: common questions

Is Texas Champion Bank FDIC insured?

Yes. Texas Champion Bank is an FDIC-insured institution (FDIC certificate #11159). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Texas Champion Bank's TellerScore?

64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Texas Champion Bank ever failed?

There is no failure record for FDIC certificate #11159 in the FDIC failed bank list.

How many branches does Texas Champion Bank have?

10 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Corpus Christi

InstitutionScoreAssetsCapitalProblem loansCompare
Corpus Christi Postal Employees Credit UnionCredit union Corpus Christi, TX96 out of 100, Very strong$17.1M20.3%0.00%vs
First State Bank of OdemBank Odem, TX95 out of 100, Very strong$212.6M14.4%0.00%vs
Members First Credit UnionCredit union Corpus Christi, TX87 out of 100, Very strong$183.2M24.0%1.04%vs
Synergy Federal Credit UnionCredit union San Antonio, TX86 out of 100, Very strong$334.2M15.8%0.29%vs
ValueBank TexasBank Corpus Christi, TX85 out of 100, Very strong$303.6M12.5%0.00%vs
Nce Credit UnionCredit union Corpus Christi, TX85 out of 100, Very strong$5.9M20.8%0.00%vs