Texas Community Bank, National Association (TX)

Texas Community Bank, National Association (TX) is headquartered in The Woodlands and is the 193^rd largest bank in the state of Texas. It is also the 2,469^th largest bank in the nation. It was established in 2002 and as of March of 2012, it had grown to 44 employees at 3 locations. Texas Community Bank, National Association (TX) has a 1-star health rating.

Data for Q1 2012

Institution Statistics Texas Community Bank, National Association FDIC Certificate # 57431 BankRate Report View Year Established 2002 Employees 44 Primary Regulator OCC Assets and Liabilities Assets $260.56 million Loans $177.86 million Deposits $225.58 million Equity Capital $15.72 million Loan Loss Allowance $7.50 million Unbacked Noncurrent Loans $29.90 million Real Estate Owned $23.69 million Historic Data - March 2011 Assets $356.52 million Equity Capital $28.49 million Loan Loss Allowance $7.76 million Unbacked Noncurrent Loans $20.99 million Real Estate Owned $19.14 million Profit Margin - Quarterly Net Interest Margin 3.14% Return on Assets -8.47% Return on Equity -117.5% Interest Income $2.40 million

Institution Health Overall Score: 1 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Texas Community Bank, National Association (TX) had $53.58 million in non-current loans and owned real-estate with $23.22 million in equity and loan loss allowances on hand to cover it. This gives Texas Community Bank, National Association (TX) a Texas Ratio of 230.71% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Texas Community Bank, National Association (TX) increased slightly from 110.73% as of March 31, 2011 to 230.71% as of March 31, 2012, resulting in a negative change of 108.35%. This indicates that the balance sheet and financial strength for Texas Community Bank, National Association (TX) has declined slightly in recent periods. Deposit Growth In the past year, Texas Community Bank, National Association (TX) has decreased its total deposits by -$91.56 million, resulting in -28.87% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Texas Community Bank, National Association (TX) has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Texas Community Bank, National Association (TX) has $260.56 million in assets with $23.22 million in equity, resulting in a capitalization level of 8.91%, which is average.

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