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TCBS (Texas Community Bancshares) Capital Adequacy Tier - Tier 1 Ratio % : 0.00% (As of Mar. 2025)


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What is Texas Community Bancshares Capital Adequacy Tier - Tier 1 Ratio %?

Capital Adequacy Tier - Tier 1 Ratio % is the ratio of a bank’s core tier 1 capital, which includes its equity capital and disclosed reserves, to its total risk-weighted assets. It is a key measure of a bank's financial strength and should not fall lower than 6% as per Basel III rules.

Texas Community Bancshares's Capital Adequacy Tier - Tier 1 Ratio % for the quarter that ended in Mar. 2025 was 0.00% , which is lower than 14.59% for the pervious quarter ended in Dec. 2024.

Texas Community Bancshares's Capital Adequacy Tier - Tier 1 Ratio % for the annual that ended in Dec. 2024 was 14.59% , which is lower than 15.65% for the pervious year ended in Dec. 2023.

The historical rank and industry rank for Texas Community Bancshares's Capital Adequacy Tier - Tier 1 Ratio % or its related term are showing as below:

TCBS's Capital Adequacy Tier - Tier 1 Ratio % is not ranked *
in the Banks industry.
Industry Median:
* Ranked among companies with meaningful Capital Adequacy Tier - Tier 1 Ratio % only.

Texas Community Bancshares Capital Adequacy Tier - Tier 1 Ratio % Historical Data

The historical data trend for Texas Community Bancshares's Capital Adequacy Tier - Tier 1 Ratio % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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Texas Community Bancshares Capital Adequacy Tier - Tier 1 Ratio % Chart

Texas Community Bancshares Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24
Capital Adequacy Tier - Tier 1 Ratio %
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Capital Adequacy Tier - Leverage Ratio %
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Capital Adequacy Tier - Total Capital Ratio %
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Efficiency Overhead Ratio %
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Net Charge Offs to Average Loans %
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Texas Community BancsharesQuarterly Data
Trend Mar21 Jun21 Sep21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Capital Adequacy Tier - Tier 1 Ratio %
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Capital Adequacy Tier - Leverage Ratio %
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Capital Adequacy Tier - Total Capital Ratio %
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Competitive Comparison of Texas Community Bancshares's Capital Adequacy Tier - Tier 1 Ratio %

For the Banks - Regional subindustry, Texas Community Bancshares's Capital Adequacy Tier - Tier 1 Ratio %, along with its competitors' market caps and Capital Adequacy Tier - Tier 1 Ratio % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Texas Community Bancshares  (NAS:TCBS) Capital Adequacy Tier - Tier 1 Ratio % Calculation

Capital Adequacy Tier - Tier 1 Ratio % is calculated as

Capital Adequacy Tier - Tier 1 Ratio %=Tier 1 Capital / Total Risk Weighted Assets

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


Texas Community Bancshares  (NAS:TCBS) Capital Adequacy Tier - Tier 1 Ratio % Explanation

Tier 1 capital, or core capital, consists of a bank's common stock, retained earnings, accumulated other comprehensive income, noncumulative perpetual preferred stock and any regulatory adjustments to those accounts. The tier 1 capital ratio is the ratio of a bank’s core capital vs. its total risk-weighted assets (RWAs). The risk-weighted assets are calculated by multiplying the assets that the company holds by their corresponding weights for credit risk (the weight is usually developed by the central bank).

The tier 1 capital ratio is the basis for the Basel III international capital and liquidity standards. The standard is used to force banks to increase capital buffers and ensure they can withstand financial distress before they become insolvent. Basel III rules stipulate that the Tier 1 capital ratio has to be at least 6% and the equity component of Tier 1 capital has to have at least 4.5% of RWAs. A higher Tier 1 ratio suggests that the company has more capital to pay down deposits and is less likely to become insolvent.


Texas Community Bancshares Capital Adequacy Tier - Tier 1 Ratio % Related Terms

Thank you for viewing the detailed overview of Texas Community Bancshares's Capital Adequacy Tier - Tier 1 Ratio % provided by GuruFocus.com. Please click on the following links to see related term pages.


Texas Community Bancshares Business Description

Industry
Traded in Other Exchanges
N/A
Address
215 West Broad Street, P.O. Box 410, Mineola, TX, USA, 75773
Texas Community Bancshares Inc is a holding company. The company's business consists of taking deposits from the general public and investing those deposits, together with funds generated from operations and borrowings from the Federal Home Loan Bank of Dallas, in residential real estate loans and commercial real estate loans and, to a lesser extent, commercial loans, construction and land loans, and consumer and other loans. Its portfolio segments are real estate, agriculture, commercial, consumer and other.
Executives
Sheree A. Mize director, officer: Corporate Secretary 215 WEST BROAD STREET, MINEOLA TX 75773
Julie Sharff officer: Chief Financial Officer 215 WEST BROAD STREET, MINEOLA TX 75773
Haskell Strange officer: SVP and COO 215 WEST BROAD STREET, MINEOLA TX 75773
Johnny Sherrill director 215 WEST BROAD STREET, MINEOLA TX 75773
Anthony Scavuzzo director 215 WEST BROAD STREET, MINEOLA TX 75773
Terri Baucum officer: SVP & CLO 215 WEST BROAD STREET, MINEOLA TX 75773
Glen Thurman director 215 WEST BROAD STREET, MINEOLA TX 75773
Brittany Bessonett officer: SVP and Marketing Officer 215 WEST BROAD STREET, MINEOLA TX 75773
Jason Sobel officer: Bank President 215 WEST BROAD STREET, MINEOLA TX 75773
Kraig Yarbrough officer: SVP 215 WEST BROAD STREET, MINEOLA TX 75773
Herlocker James H. Iii director, officer: Chairman, President and CEO 215 WEST BROAD STREET, MINEOLA TX 75773
Clifton D. Bradshaw director 215 WEST BROAD STREET, MINEOLA TX 75773
Sofia Gurrusquieta officer: Compliance, BSA, CRA Officer 215 WEST BROAD STREET, MINEOLA TX 75773
Demethrius Boyd director 215 WEST BROAD STREET, MINEOLA TX 75773
Bryan Summerville director 215 WEST BROAD STREET, MINEOLA TX 75773