Texas Community Bancshares Balance Sheet Health
Financial Health criteria checks 6/6
Texas Community Bancshares has total assets of $452.0M and total equity of $53.7M. Total deposits are $317.2M, and total loans are $279.9M. It earns a Net Interest Margin of 2.7%. It has sufficient allowance for bad loans, which are currently at 0.4% of total loans. Cash and short-term investments are $25.5M.
Key information
8.4x
Asset to equity ratio
2.7%
Net interest margin
Total deposits | US$317.24m |
Loan to deposit ratio | Appropriate |
Bad loans | 0.4% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | US$25.47m |
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 (8.4x) is low.
Allowance for Bad Loans: TCBS has a sufficient allowance for bad loans (262%).
Low Risk Liabilities: 80% 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 (62%).
Low Risk Deposits: TCBS's Loans to Deposits ratio (88%) is appropriate.
Level of Bad Loans: TCBS has an appropriate level of bad loans (0.4%).