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Extraco Banks, National Association
Temple, TX · FDIC Certificate #5551 · Chartered 09/2
Total assets
$2.57B
Total deposits
$2.09B
Total equity
$217.26M
Net loans
$1.32B
Branches (offices)
16
Net income (YTD)
$9.85M
Rank: #492 of 4,213 U.S. banks by assets · #42 of 346 in Texas. Assets changed 4.0% and deposits 4.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.78% |
| Return on equity | 9.27% |
| Net interest margin (YTD) | 2.82% |
| Equity to assets | 8.44% |
| Tier 1 leverage ratio | 8.67% |
| Uninsured deposits (share of deposits) | 19.2% |
| Noncurrent loans (share of loans) | 0.04% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 62.9% |
| Real estate loans (share of loans) | 81.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.07B | 81.0% | |
| Commercial & industrial | $33.13M | 2.5% | |
| Consumer / individual | $210.21M | 16.0% | |
| Construction & development | $104.30M | 7.9% | |
| Agricultural | $1.07M | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.09B | $1.79B | $13.40M | $168.68M |
| Jun 2023 | $2.17B | $1.73B | $8.93M | $186.75M |
| Jun 2024 | $2.45B | $1.96B | $7.85M | $195.95M |
| Jun 2025 | $2.48B | $2.00B | $9.97M | $195.41M |
| Jun 2026 | $2.57B | $2.09B | $9.85M | $217.26M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $2.09B | 16 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.09B.
Similar-sized banks
First National Bank ($2.59B) · Cornerstone Bank ($2.57B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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