Texas Advantage Cmty Bank NA Safety Rating
Texas Advantage Cmty Bank NA's safety rating is grade A, a Bank Health Score of 88/100 built from FDIC call report data. That ranks #875 out of 3,960 FDIC-insured banks nationally (top 22%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Texas Advantage Cmty Bank NA's best component is Tier 1 capital (100/100) and its weakest is profitability (47/100).
This page answers a common banking-safety question: Texas Advantage Cmty Bank NA Safety Rating. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Texas Advantage Cmty Bank NA Safety Rating Breakdown
- Overall rating
- Grade A (88/100)
- National rank
- #875 of 3,960
- Tier 1 capital (35%)
- 100/100
- Loan quality (30%)
- 79/100
- Liquidity (25%)
- 100/100
- Profitability (10%)
- 47/100
Source: FDIC Call Report data. The BankHealth safety rating is an editorial composite, not an official regulatory rating.
A grade A rating places Texas Advantage Cmty Bank NA among the stronger FDIC-insured banks on the composite — strong capital with manageable risk on the other factors. Nationally it ranks in roughly the top 22% of the 3,960 banks we score.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 17.90% | 100/100 |
| Nonperforming Loan Ratio | 1.04% | 79/100 |
| Liquidity Ratio | 38.10% | 100/100 |
| Return on Assets | 0.67% | 47/100 |
| Total Assets | $0.2B | |
How does Texas Advantage Cmty Bank NA compare?
With a Bank Health Score of 88/100, Texas Advantage Cmty Bank NA sits 18.0 points above the national average of 70/100 for FDIC-insured banks. Within Texas, where 321 FDIC-insured banks are headquartered, Texas Advantage Cmty Bank NA ranks above the state average of 74/100 (Grade B).
The bank's Tier 1 capital ratio of 17.90% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 1.04% is in a normal range for a bank this size.
What changed in the last year?
Over the last four quarters, Texas Advantage Cmty Bank NA's Bank Health Score fell by 3.0 points to 88/100. Tier 1 capital weakened by 5.45 percentage points to 17.90%. Quarter-over-quarter, the score rose by 1.0 points.
Frequently Asked Questions
Texas Advantage Cmty Bank NA's safety rating is grade A, a Bank Health Score of 88/100 built from FDIC call report data. That ranks #875 out of 3,960 FDIC-insured banks nationally (top 22%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Texas Advantage Cmty Bank NA's best component is Tier 1 capital (100/100) and its weakest is profitability (47/100).
The BankHealth safety rating converts four FDIC call report metrics into a single 0-100 score and an A-F grade. It weights Tier 1 capital ratio (35%), the inverted nonperforming-loan ratio (30%), liquidity ratio (25%), and return on assets (10%). For Texas Advantage Cmty Bank NA: Tier 1 capital scores 100/100, loan quality 79/100, liquidity 100/100, and profitability 47/100 — combining to 88/100 (grade A).
Texas Advantage Cmty Bank NA's Bank Health Score of 88/100 is 14.0 points above the Texas state average of 74/100. 321 FDIC-insured banks are headquartered in Texas.
Yes. Texas Advantage Cmty Bank NA (FDIC certificate #58450) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Texas Advantage Cmty Bank NA
Texas Advantage Cmty Bank NA's safety rating is grade A, a Bank Health Score of 88/100 built from FDIC call report data. That ranks #875 out of 3,960 FDIC-insured banks nationally (top 22%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Texas Advantage Cmty Bank NA's best component is Tier 1 capital (100/100) and its weakest is profitability (47/100).