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Texas Advantage Community Bank, National Association

Alvin, TX · Cert 58450 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=21)

National charter · OCC · 2 branches

Q2 2026

$192.1MAssets
$80.3MLoans
$169.7MDeposits
$21.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 9 of 21).
  • Widest gap: nonperforming loans / loans trails 95% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 21 of 21).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.36%

Rank 19 of 21

Net Interest Margin

2.79%

Rank 19 of 21

Efficiency Ratio

88.24%

Rank 18 of 21

Equity / Assets

11.30%

Rank 11 of 21

Non-interest income vs. expense

$0.4M$5.1MINCOMEEXPENSE
Unfavorable gap of $4.8M · efficiency ratio beats 19% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area
Bank 88.24%Peer median 68.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.36%0.77%1.16%1.46%Beats 10%19 / 21
Return on Equity3.14%6.66%8.42%15.66%Beats 10%19 / 21
Net Interest Margin2.79%3.50%3.97%4.41%Beats 10%19 / 21
Efficiency Ratio88.24%59.33%68.18%79.00%Beats 19%18 / 21
Asset Quality
Nonperforming Loans / Loans7.09%0.01%0.37%1.25%Beats 5%21 / 21
Net Charge-Offs / Loans0.00%n/a0.01%0.05%Beats 100%9 / 21
Capital
Tier 1 Capital Ratio24.87%12.65%15.76%18.38%Beats 86%3 / 21
Total Risk-Based Capital Ratio25.94%12.65%16.68%19.63%Beats 86%3 / 21
Equity / Assets11.30%9.08%11.30%15.80%Beats 48%11 / 21
Liquidity & Funding
Loans / Deposits47.35%64.96%78.30%90.30%14th pctl18 / 21
Loans / Assets41.83%55.83%65.86%74.20%14th pctl18 / 21
Brokered Deposits / Depositsn/aNot reported for this institution