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 | |