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Texas Exchange Bank

$1B-$10B Specialty: Other TX FDIC cert 20099

Crowley, TX

2 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
  • Deposits +2.1% year over year ($2.6B on the books).
  • Delinquency rate 0.00%.
  • Return on assets 0.43%.
  • Efficiency ratio 95.17% vs a 59.73% peer average.
  • Loan-to-deposit ratio 25.86% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 78 in TX
View $1B-$10B leaderboard (TX) →

Texas Exchange Bank has 3 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 43.2% in tier
  • + Delinquency Rate 0.87% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 11.7% in tier
  • - Return on Assets 0.96% below tier average
  • - Net Interest Margin 2.39% below tier average
  • - Non-Interest-Bearing Deposit Share 20.54% below tier average
Get updates when Texas Exchange Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $4.5B
+42.5% YoY +5.1% QoQ
+$1.7B $2.8B
-0.6% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
84%
Total Loans ? $683.6M
-23.7% YoY +0.8% QoQ
-$1.3B $2.0B
-0.3% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
Bottom 7.2% in tier
Total Deposits ? $2.6B
+2.1% YoY +2.4% QoQ
+$324.5M $2.3B
-0.5% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
73%
Return on Assets ? 0.43%
-74.6% YoY -69.3% QoQ
-0.96% 1.39%
+17.0% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
Bottom 6.1% in tier
Net Interest Margin ? 1.48%
-54.4% YoY -6.3% QoQ
-2.39% 3.87%
+6.2% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Bottom 0.9% in tier
Efficiency Ratio ? 95.17%
+26.8% YoY +13.8% QoQ
+35.44% 59.73%
-12.6% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
Bottom 1.0% in tier
Delinquency Rate ? 0.00% -0.87% 0.87%
+11.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 25.86%
-25.3% YoY -1.5% QoQ
-59.17% 85.04%
-0.1% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
Top 1.7% in tier
Non-Interest-Bearing Deposit Share ? 0.73%
-35.8% YoY -3.9% QoQ
-20.54% 21.27%
-1.5% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Bottom 1.2% in tier
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+11.7% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 30.06%
+4.5% YoY -1.9% QoQ
+15.21% 14.84%
-0.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
Top 2.1% in tier
Non-Interest Income / Assets ? 1.53%
-10.8% YoY +45.6% QoQ
+1.01% 0.53%
+2.5% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
Top 4.2% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 0.7%
-0.4pp YoY
0.0pp QoQ
 -20.6pp 21.4% 29.2% 22.2% 1%
Brokered Deposits 96.2%
+0.4pp YoY
+0.3pp QoQ
 +86.7pp 9.5% 8.0% 8.5% 100%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 87.6%
-3.0pp YoY
+3.5pp QoQ
 +73.6pp 14.0% 14.8% 12.5% 100%
CRE n/a n/a 50.0% 48.4% 41.4% n/a
1-4 Family 0.3%
+0.1pp YoY
0.0pp QoQ
 -26.1pp 26.4% 25.8% 31.3% 1%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.7pp 4.7% 4.7% 5.0% 0%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 30.1%
+1.3pp YoY
-0.6pp QoQ
 +14.5pp 15.6% 22.7% 19.7% 97%
Leverage Ratio 12.4%
0.0pp YoY
-0.4pp QoQ
 +1.1pp 11.3% 12.6% 12.6% 80%
Total Capital Ratio 30.8%
+1.0pp YoY
-0.5pp QoQ
 +14.1pp 16.7% 23.8% 20.8% 97%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 32
+2 (+6.7%) YoY
+1 (+3.2%) QoQ
 -282 313 186 482 0%
Assets per Employee ($) $140.3M
+33.6% YoY
+1.8% QoQ
 +$129.8M $10.5M $10.1M $8.8M 100%
Branch Count 2
0 YoY
0 QoQ
 -18 20 12 18 5%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.3% 0.4% n/a
Nonaccrual n/a n/a 0.8% 1.0% 1.0% n/a
Allowance Coverage n/a n/a 18.71x 18.82x 20.23x n/a
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 14%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 5.0%
-10.6pp YoY
-10.8pp QoQ
 -7.6pp 12.6% 13.2% 11.6% 8%
Cost of Funds (YTD) 2.2%
-0.3pp YoY
0.0pp QoQ
 +0.3pp 1.9% 1.6% 1.7% 72%
Net Income ($, YTD) $9.4M
-69.1% YoY
— QoQ
 -$9.8M $19.2M $15.9M $40.4M 37%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth
#97 of 222 • Top 43.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 1.53%
(Tier: 0.53%, National: 0.66%)
better than tier avg
Return on Assets: 0.43%
(Tier: 1.39%, National: 1.30%)
but worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (1)

Efficiency Drag

risk
#8 of 60 • Bottom 11.7% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 95.17%
(Tier: 59.73%, National: 70.05%)
worse than tier avg
60 of 60 Mid-Market banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (6 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.87%
#1 of 882 Top 0.1% in $1B-$10B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 885 Top 0.1% in $1B-$10B
16
Loan-to-Deposit Ratio
liquidity
Value: 25.86%
Peer Median: 85.04%
#16 of 885 Top 1.7% in $1B-$10B
20
Tier 1 Capital Ratio
capital
Value: 30.06%
Peer Median: 14.84%
#20 of 885 Top 2.1% in $1B-$10B
38
Non-Interest Income / Assets
revenue_mix
Value: 1.53%
Peer Median: 0.53%
#38 of 885 Top 4.2% in $1B-$10B
147
Total Assets
size
Value: $4.49B
Peer Median: $2.79B
#147 of 885 Top 16.5% in $1B-$10B

Top Weaknesses (5 metrics)

878
Net Interest Margin
profitability
Value: 1.48%
Peer Median: 3.87%
#878 of 885 Bottom 0.9% in $1B-$10B
877
Efficiency Ratio
profitability
Value: 95.17%
Peer Median: 59.73%
#877 of 885 Bottom 1.0% in $1B-$10B
875
Non-Interest-Bearing Deposit Share
funding
Value: 0.73%
Peer Median: 21.27%
#875 of 885 Bottom 1.2% in $1B-$10B
832
Return on Assets
profitability
Value: 0.43%
Peer Median: 1.39%
#832 of 885 Bottom 6.1% in $1B-$10B
822
Total Loans
size
Value: $683.59M
Peer Median: $1.96B
#822 of 885 Bottom 7.2% in $1B-$10B
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