Texas Community Bank: how it compares with its peers
Against 57 TX banks with half to twice its assets, Texas Community Bank's strongest measure in Q2 2026 is efficiency ratio (40.86% vs. a 56.20% peer median). Its weakest relative measure is assets per employee ($9.3M vs. $8.7M).
| Measure | Texas Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.03% | 1.55% | Top third Ahead of 81% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.15% | 3.90% | Middle third Ahead of 63% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 40.86% | 56.20% | Top third Ahead of 91% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.3M | $8.7M | Middle third Ahead of 55% of peers |
| Loans to deposits Net loans and leases over total deposits. | 58.60% | 78.01% | Context |
What it means for lending operations
Its efficiency ratio of 40.86% is better than the 56.20% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Citizens National Bank of Texas Waxahachie, TX · $2.19B
- Security State Bank & Trust Fredericksburg, TX · $2.18B
- Falcon International Bank Laredo, TX · $2.25B
- Golden Bank, National Association Houston, TX · $2.28B
- Texas First Bank Texas City, TX · $2.35B
- First United Bank Dimmitt, TX · $2.41B
Questions about Texas Community Bank
How big is Texas Community Bank?
Texas Community Bank, established in 1983, is headquartered in Laredo, TX. It reported $2.20B in total assets in its Q2 2026 FDIC call report and operates 11 offices.
What is Texas Community Bank's return on assets?
2.03% annualized in Q2 2026, against a 1.55% median for 57 TX banks with half to twice its assets, ahead of 81% of them.
What is Texas Community Bank's efficiency ratio?
40.86% in Q2 2026: it spent about 41 cents in noninterest expense for each dollar of revenue. The peer median is 56.20%, and lower is better.
Is Texas Community Bank growing its loans?
Net loans grew 2.9% over the year to Q2 2026, while deposits grew 6.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.