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TEXAS COMMUNITY BANK, NATIONAL ASSOCIATION

LAREDO, TX · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1983FDIC #24,563
Satisfactory Same

Current rating · Exam: May 2012

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.03%

Institution Profile

FDIC BankFind

Address

6721 Mcpherson Rd, LAREDO, TX

County

Webb County

Established

June 20, 1983

Total Assets

$2.2B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 7, 2012

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
⚠️This exam is 14 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.2B

Total Deposits

$1.9B

Net Loans

$1.1B

Net Income

$11M

ROA

2.03%

ROE

16.46%

Risk-Based Capital

26.57%

Regulatory minimum: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate20.73%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

10

Branch Deposits

$1.8B

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20248271.95%20.73%
202310775.7%10.28%
202218973.54%13.23%
202119077.37%13.68%
202018075.56%14.44%
201915672.44%12.18%
201816869.05%17.86%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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