Mineola, TX · Cert 28868 · Texas Community Bancshares Inc.
SI · FDIC · 7 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
37
Asset Quality
51
Profitability
27
Liquidity
0
Efficiency
31
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Mineola, TX · Cert 28868 · Texas Community Bancshares Inc.
SI · FDIC · 7 branches
Q2 2026
Market Position · Tyler, TX · 2026 SOD (annual) · 0.3% share · #20 of 28 inst. · $0.0B of $9.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.47% | -0.22% | 0.65% | 0.66% | 0.68% | 0.70% | 0.88% | 0.94% | +28 bps | |
| Return on Equity | -5.05% | -2.30% | 6.54% | 6.58% | 6.59% | 6.71% | 7.79% | 8.34% | +176 bps | |
| Net Interest Margin | 2.83% | 2.87% | 3.03% | 2.97% | 2.99% | 3.04% | 3.20% | 3.28% | +31 bps | |
| Efficiency Ratio | 128.13% | 112.16% | 73.90% | 74.74% | 72.31% | 72.01% | 73.40% | 70.63% | -410 bps | |
| Non-Interest Burden | 3.42% | 3.18% | 2.16% | 2.14% | 2.02% | 2.05% | 2.18% | 2.13% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.10% | -1.97% | -4.70% | -1.72% | -1.54% | -3.15% | -2.76% | -0.04% | +168 bps | |
| Loan Growth (YoY) | 8.92% | 4.91% | 11.26% | 9.42% | -2.69% | 3.27% | 0.38% | 6.86% | -255 bps | |
| Deposit Growth (YoY) | 7.71% | 4.91% | 0.88% | 3.45% | 1.19% | -3.50% | -2.41% | -0.51% | -396 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.70% | 0.72% | 0.67% | 3.59% | 0.76% | 0.66% | 0.65% | 0.44% | -315 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.05% | 0.02% | 0.01% | 0.23% | 0.17% | 0.01% | 0.01% | -1 bps | |
| Allowance / Loans | 1.07% | 1.09% | 1.09% | 1.09% | 1.13% | 1.12% | 1.14% | 1.13% | +4 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.5x | 1.6x | 0.3x | 1.5x | 1.7x | 1.8x | 2.6x | +2.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.59% | 10.84% | 11.09% | 11.32% | 11.53% | 11.74% | 11.97% | 12.13% | +81 bps | |
| Total Risk-Based Capital | 10.59% | 10.84% | 11.09% | 11.32% | 11.53% | 11.74% | 11.97% | 12.13% | +81 bps | |
| Equity / Assets | 9.69% | 9.78% | 10.10% | 10.30% | 10.83% | 11.36% | 11.27% | 11.25% | +94 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.45% | 86.41% | 87.27% | 86.11% | 85.06% | 92.47% | 89.77% | 92.49% | +639 bps | |
| Liquid Assets / Assets | 5.92% | 7.19% | 6.90% | 8.49% | 4.65% | 5.55% | 6.43% | 5.65% | -284 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 227% | 234% | 213% | n/a | n/a | |
Mineola, TX · Cert 28868 · Peer group: banks under $1B in assets in TX (n=208-211) · Texas Community Bancshares Inc.
SI · FDIC · 7 branches
Q2 2026
Return on Assets
0.92%
Rank 155 of 211
Net Interest Margin
3.28%
Rank 158 of 211
Efficiency Ratio
70.63%
Rank 147 of 211
Equity / Assets
11.25%
Rank 101 of 211
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.92% | 0.87% | 1.20% | 1.65% | Beats 27% | 155 / 211 | ||
| Return on Equity | 8.19% | 7.52% | 11.67% | 14.58% | Beats 30% | 148 / 211 | ||
| Net Interest Margin | 3.28% | 3.28% | 3.82% | 4.31% | Beats 25% | 158 / 211 | ||
| Efficiency Ratio | 70.63% | 53.01% | 64.18% | 73.65% | Beats 31% | 147 / 211 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.44% | 0.01% | 0.30% | 1.10% | Beats 43% | 119 / 208 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.06% | Beats 58% | 88 / 208 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.13% | 11.72% | 14.45% | 19.57% | Beats 29% | 149 / 211 | ||
| Total Risk-Based Capital Ratio | 12.13% | 11.94% | 14.78% | 20.30% | Beats 29% | 150 / 211 | ||
| Equity / Assets | 11.25% | 9.41% | 11.06% | 12.94% | Beats 52% | 101 / 211 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 92.49% | 45.39% | 66.56% | 82.03% | 93rd pctl | 15 / 208 | ||
| Loans / Assets | 71.73% | 39.13% | 56.90% | 70.46% | 78th pctl | 46 / 211 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||