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Extraco Banks, National Association

$1B-$10B Specialty: Other TX FDIC cert 5551

Designations: ✓ Community bank

Temple, TX

16 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 +4.8% year over year ($2.1B on the books).
  • Delinquency rate 0.04%.
  • Return on assets 0.78%.
  • Efficiency ratio 75.67% vs a 59.73% peer average.
  • Loan-to-deposit ratio 62.87% 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) →

Extraco Banks, National Association has 3 strengths but faces 3 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

  • + Delinquency Rate 0.82% below tier average
  • + Loan-to-Deposit Ratio 22.17% below tier average
  • + Nonperforming Asset Ratio 0.65% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 1.05% below tier average
  • - ROA 0.61% below tier average
  • - Efficiency Ratio 15.94% above tier average
Get updates when Extraco Banks, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $2.6B
+4.0% YoY +3.2% QoQ
-$218.4M $2.8B
-0.6% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
63%
Total Loans ? $1.3B
+1.0% YoY +1.0% QoQ
-$646.6M $2.0B
-0.3% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
48%
Total Deposits ? $2.1B
+4.8% YoY +3.2% QoQ
-$224.5M $2.3B
-0.5% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
62%
Return on Assets ? 0.78%
-4.3% YoY -2.8% QoQ
-0.61% 1.39%
+17.0% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
18%
Net Interest Margin ? 2.82%
+1.2% YoY -0.2% QoQ
-1.05% 3.87%
+6.2% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Bottom 9.6% in tier
Efficiency Ratio ? 75.67%
+3.3% YoY +0.5% QoQ
+15.94% 59.73%
-12.6% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
Bottom 11.4% in tier
Delinquency Rate ? 0.04%
-59.4% YoY -19.9% QoQ
-0.82% 0.87%
+11.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
Top 7.3% in tier
Loan-to-Deposit Ratio ? 62.87%
-3.6% YoY -2.1% QoQ
-22.17% 85.04%
-0.1% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
Top 8.6% in tier
Non-Interest-Bearing Deposit Share ? 15.10%
-11.4% YoY -4.0% QoQ
-6.17% 21.27%
-1.5% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
28%
Nonperforming Asset Ratio ? 0.02%
-60.5% YoY -21.6% QoQ
-0.65% 0.67%
+11.7% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
Top 6.1% in tier
Tier 1 Capital Ratio ? 15.88%
+6.9% YoY +0.1% QoQ
+1.04% 14.84%
-0.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
80%
Non-Interest Income / Assets ? 0.36%
-8.5% YoY +96.2% QoQ
-0.17% 0.53%
+2.5% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
65%

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 15.1%
-1.9pp YoY
-0.6pp QoQ
 -6.3pp 21.4% 29.2% 22.2% 27%
Brokered Deposits n/a n/a 9.5% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 2.5%
-0.2pp YoY
0.0pp QoQ
 -11.5pp 14.0% 14.8% 12.5% 8%
CRE 35.5%
-4.9pp YoY
-1.6pp QoQ
 -14.5pp 50.0% 48.4% 41.4% 16%
1-4 Family 44.3%
+4.2pp YoY
+1.4pp QoQ
 +17.9pp 26.4% 25.8% 31.3% 86%
Consumer 16.0%
+1.1pp YoY
+0.1pp QoQ
 +11.3pp 4.7% 4.7% 5.0% 93%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 15.9%
+1.0pp YoY
0.0pp QoQ
 +0.3pp 15.6% 22.7% 19.7% 77%
Leverage Ratio 8.7%
+0.5pp YoY
0.0pp QoQ
 -2.6pp 11.3% 12.6% 12.6% 7%
Total Capital Ratio 17.1%
+1.0pp YoY
0.0pp QoQ
 +0.4pp 16.7% 23.8% 20.8% 78%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 310
+23 (+8.0%) YoY
+7 (+2.3%) QoQ
 -4 313 186 482 67%
Assets per Employee ($) $8.3M
-3.7% YoY
+0.8% QoQ
 -$2.2M $10.5M $10.1M $8.8M 45%
Branch Count 16
0 YoY
0 QoQ
 -4 20 12 18 53%

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 0.0%
0.0pp YoY
0.0pp QoQ
 -0.8pp 0.8% 1.0% 1.0% 5%
Allowance Coverage 56.87x
+150.5% YoY
+24.5% QoQ
 +38.16x 18.71x 18.82x 20.23x 97%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 52%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 9.3%
-0.9pp YoY
-0.3pp QoQ
 -3.3pp 12.6% 13.2% 11.6% 27%
Cost of Funds (YTD) 2.0%
-0.2pp YoY
0.0pp QoQ
 0.0pp 1.9% 1.6% 1.7% 54%
Net Income ($, YTD) $9.8M
-1.2% YoY
— QoQ
 -$9.4M $19.2M $15.9M $40.4M 39%

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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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 (4 metrics)

55
Nonperforming Asset Ratio
credit_quality
Value: 0.02%
Peer Median: 0.67%
#55 of 885 Top 6.1% in $1B-$10B
65
Delinquency Rate
credit_quality
Value: 0.04%
Peer Median: 0.87%
#65 of 882 Top 7.3% in $1B-$10B
77
Loan-to-Deposit Ratio
liquidity
Value: 62.87%
Peer Median: 85.04%
#77 of 885 Top 8.6% in $1B-$10B
179
Tier 1 Capital Ratio
capital
Value: 15.88%
Peer Median: 14.84%
#179 of 885 Top 20.1% in $1B-$10B

Top Weaknesses (3 metrics)

801
Net Interest Margin
profitability
Value: 2.82%
Peer Median: 3.87%
#801 of 885 Bottom 9.6% in $1B-$10B
785
Efficiency Ratio
profitability
Value: 75.67%
Peer Median: 59.73%
#785 of 885 Bottom 11.4% in $1B-$10B
729
Return on Assets
profitability
Value: 0.78%
Peer Median: 1.39%
#729 of 885 Bottom 17.7% in $1B-$10B
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