TellerScore

Texas Community Bank (FDIC certificate #24563) is based in Laredo, Texas. Its Q2 2026 call report shows $2.2B in total assets and $1.9B in deposits and 11 offices.

Based on its Q2 2026 filing, Texas Community Bank scores 84/100, which we describe as strong. That is higher than 95% of 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 52nd. Its strongest component is earnings (100/100; 2.03%), and its lowest is funding & liquidity (50/100; 59% loans-to-deposits, 64% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion78/100
Tier 1 leverage ratio: 12.78%
Loan quality93/100
Noncurrent loans ÷ total loans: 0.20%
Earnings100/100
Return on assets (annualized): 2.03%
Funding & liquidity50/100
Loans ÷ deposits and uninsured-deposit share: 58.6% · 63.9% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.80%

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 5 points (89 → 84), mostly because the capital cushion component weakened by 13 points.

TellerScore
848789Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202487
Q3 202488
Q4 202489
Q1 202588
Q2 202589
Q3 202588
Q4 202584
Q1 202684
Q2 202684
Tier 1 leverage ratio
5.00%9.57%14.15%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.45%
Q3 202413.45%
Q4 202413.82%
Q1 202514.15%
Q2 202514.15%
Q3 202513.94%
Q4 202512.33%
Q1 202612.85%
Q2 202612.78%
Noncurrent loans
0.03%0.11%0.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.04%
Q3 20240.04%
Q4 20240.03%
Q1 20250.09%
Q2 20250.05%
Q3 20250.09%
Q4 20250.08%
Q1 20260.18%
Q2 20260.20%
Return on assets
2.03%2.25%2.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.45%
Q3 20242.46%
Q4 20242.42%
Q1 20252.34%
Q2 20252.34%
Q3 20252.33%
Q4 20252.34%
Q1 20262.03%
Q2 20262.03%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$2.2B12.78%0.20%2.03%58.6%
Q1 202684$2.2B12.85%0.18%2.03%55.8%
Q4 202584$2.2B12.33%0.08%2.34%57.4%
Q3 202588$2.2B13.94%0.09%2.33%61.0%
Q2 202589$2.1B14.15%0.05%2.34%60.7%
Q1 202588$2.0B14.15%0.09%2.34%64.0%
Q4 202489$2.1B13.82%0.03%2.42%59.8%
Q3 202488$2.0B13.45%0.04%2.46%60.6%
Q2 202487$2.0B13.45%0.04%2.45%60.5%

897 peers · $1 billion – $10 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 ratio12.78%
83rd
Total risk-based capital26.29%
97th
Problem loans0.20%
77th
Net charge-offs0.05%
45th
Return on assets2.03%
89th
Net interest margin4.15%
76th
Efficiency ratio40.9%
91st
Loans to deposits58.6%
94th
Uninsured deposits63.9%
3rd
Loan-loss reserves1.98%
96th
Texas ratio0.8%
86th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens National Bank of TexasBank Waxahachie, TX70 out of 100, Strong$2.2B12.2%1.42%vs
Security State Bank & TrustBank Fredericksburg, TX66 out of 100, Moderate$2.2B12.6%2.22%vs
Falcon International BankBank Laredo, TX85 out of 100, Very strong$2.2B13.4%0.00%vs
Golden Bank, National AssociationBank Houston, TX66 out of 100, Moderate$2.3B13.7%2.16%vs
Texas First BankBank Texas City, TX75 out of 100, Strong$2.3B10.0%0.17%vs
First United BankBank Dimmitt, TX77 out of 100, Strong$2.4B11.2%0.41%vs

Deposit insurance

Is my money safe at Texas Community Bank?

Yes. Texas Community Bank is an FDIC-insured institution (FDIC certificate #24563). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 63.9% of deposits ($1.2B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.78%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 26.29% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

Texas Community Bank lists 10 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Texas Community Bank reported 92 home-loan applications under HMDA (LEI 549300V1GCCNY7J42I93): 67 originated ($25,815,000 total), 7 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Texas Community Bank
Former names
Texas Community Bank, National Association; Somerset National Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
24563
RSSD ID
528960
Primary regulator
FED
Holding company
Vision Bancshares Inc
Established
June 20, 1983
Headquarters
6721 Mcpherson Rd, Laredo, TX 78041
Employees
237

Quick answers

Texas Community Bank: common questions

Is Texas Community Bank FDIC insured?

Yes. Texas Community Bank is an FDIC-insured institution (FDIC certificate #24563). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Texas Community Bank's TellerScore?

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

Has Texas Community Bank ever failed?

There is no failure record for FDIC certificate #24563 in the FDIC failed bank list.

How many branches does Texas Community Bank have?

11 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Laredo

InstitutionScoreAssetsCapitalProblem loansCompare
Commerce BankBank Laredo, TX87 out of 100, Very strong$762.5M12.3%0.03%vs
Falcon International BankBank Laredo, TX85 out of 100, Very strong$2.2B13.4%0.00%vs
South Texas Regional Federal Credit UnionCredit union Laredo, TX83 out of 100, Strong$5.7M15.5%0.15%vs
Laredo Federal Credit UnionCredit union Laredo, TX75 out of 100, Strong$136.6M11.3%0.35%vs
International Bank of CommerceBank Laredo, TX69 out of 100, Moderate$10.2B19.0%2.21%vs
First National Bank TexasBank Killeen, TX64 out of 100, Moderate$4.6B9.1%1.23%vs