BlastPoint's Banking Scorecard
Extraco Banks, National Association
Designations: ✓ Community bank
Temple, TX
16 branches across TX
Extraco Banks, National Association has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.83% below tier average
- + Nonperforming Asset Ratio 0.65% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 28.0% in tier
- - ROA 0.56% below tier average
- - Net Interest Margin 0.99% below tier average
- - Efficiency Ratio 14.24% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.5B
+0.8% YoY
+0.8% QoQ
|
-$320.0M |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
61% |
| Total Loans ? |
$1.3B
+0.5% YoY
+0.1% QoQ
|
-$661.7M |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
48% |
| Total Deposits ? |
$2.0B
+2.0% YoY
+0.8% QoQ
|
-$314.0M |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
60% |
| Return on Assets ? |
0.81%
+16.8% YoY
-9.9% QoQ
|
-0.56% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
21% |
| Net Interest Margin ? |
2.82%
+1.6% YoY
+1.1% QoQ
|
-0.99% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Bottom 11.5% in tier |
| Efficiency Ratio ? |
75.30%
-1.4% YoY
+4.7% QoQ
|
+14.24% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
Bottom 14.0% in tier |
| Delinquency Rate ? |
0.05%
-41.1% YoY
+3.4% QoQ
|
-0.83% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Top 7.3% in tier |
| Loan-to-Deposit Ratio ? |
64.22%
-1.4% YoY
-0.7% QoQ
|
-19.99% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Top 11.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.72%
-2.9% YoY
+5.8% QoQ
|
-5.56% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
31% |
| Nonperforming Asset Ratio ? |
0.03%
-41.3% YoY
+2.7% QoQ
|
-0.65% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Top 6.0% in tier |
| Tier 1 Capital Ratio ? |
15.86%
+7.9% YoY
+1.8% QoQ
|
+0.70% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.18%
+6.3% YoY
-78.0% QoQ
|
-0.07% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
67% |
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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 (0)
Concerns (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.