Texas Community Bancshares Balance Sheet Health
Financial Health criteria checks 6/6
Texas Community Bancshares has total assets of $446.0M and total equity of $52.7M. Total deposits are $326.3M, and total loans are $293.0M. It earns a Net Interest Margin of 2.7%. It has sufficient allowance for bad loans, which are currently at 0.7% of total loans. Cash and short-term investments are $20.9M.
Key information
8.5x
Asset to equity ratio
2.7%
Net interest margin
| Total deposits | US$326.31m |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.7% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$20.94m |
Recent financial health updates
No updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: TCBS's Assets to Equity ratio (8.5x) is low.
Allowance for Bad Loans: TCBS has a sufficient allowance for bad loans (154%).
Low Risk Liabilities: 83% of TCBS's liabilities are made up of primarily low risk sources of funding.
Loan Level: TCBS has an appropriate level of Loans to Assets ratio (66%).
Low Risk Deposits: TCBS's Loans to Deposits ratio (90%) is appropriate.
Level of Bad Loans: TCBS has an appropriate level of bad loans (0.7%).