Texas Community Bank (FDIC #24563): Bank Stress & Real-Estate Credit Exposure
Texas Community Bank (FDIC Cert #24563): bank stress 41/100, contained, STABLE over 7 days; parent VISION BANCSHARES INC.
Texas Community Bank (#24563) lends in 5 counties across 1 state; Texas Community Bank (#24563) reaches 142 ZIP codes: Texas 5 counties, 142 ZIPs.
Texas Community Bank (#24563) largest markets: Bexar County, TX (234 branches, 78 ZIPs) (#24563), Hidalgo County, TX (30 branches, 30 ZIPs) (#24563), Cameron County, TX (17 branches, 17 ZIPs) (#24563), Webb County, TX (30 branches, 10 ZIPs) (#24563), Val Verde County, TX (16 branches, 8 ZIPs) (#24563).
Texas Community Bank (#24563) reports $2.20 billion in total assets; Texas Community Bank (#24563) equity $275.8 million (12.5% of Texas Community Bank (#24563) assets); Texas Community Bank (#24563) domestic deposits $1.92 billion; Texas Community Bank (#24563) net income $22.5 million; Texas Community Bank (#24563) return on assets 2.03%; Texas Community Bank (#24563) return on equity 16.38%; Texas Community Bank (#24563) net interest income $44.0 million; Texas Community Bank (#24563) call report June 30, 2026.
Texas Community Bank (#24563) noncurrent real-estate loans: none reported; Texas Community Bank (#24563) net charge-offs on real estate 0.17%; Texas Community Bank (#24563) residential charge-offs 0.03%.
Texas Community Bank (#24563) net interest margin 4.15% against an eight-quarter Texas Community Bank (#24563) average of 4.48% (Texas Community Bank (#24563) compression 0.33 points); Texas Community Bank (#24563) non-residential real estate 3.1% of equity; Texas Community Bank (#24563) rate-exposure score 40/100, Texas Community Bank (#24563) fixed-rate trap 40/100; Texas Community Bank (#24563) risk type credit driven; Texas Community Bank (#24563) rate regime rates elevated, Texas Community Bank (#24563) snapshot October 19, 2026.
Texas Community Bank (#24563) stress score moved from 40.2 on June 22, 2026 to 41.1 on October 19, 2026; Texas Community Bank (#24563) ranged 40.2 to 41.1 over 116 snapshots.
Texas Community Bank (#24563) alerts: 5 counties; top Texas Community Bank (#24563) alert scores: Brownsville County, TX 15 (low); Del Rio County, TX 15 (low); Laredo County, TX 15 (low); Mcallen County, TX 15 (low); Somerset County, TX 15 (low).