EXTRACO BANKS, NATIONAL ASSOCIATION

TEMPLE, TX | Large | Est. Sept. 20, 1933, midnight | FDIC #5551 | RSSD #537560 | OCC
Latest Report: 2025-12-31

EXTRACO BANKS, NATIONAL ASSOCIATION is aln large FDIC-insured commercial bank headquartered in TEMPLE, TX, established in Sept. 20, 1933, midnight. As of 2025-12-31, the bank reported total assets of $2.5B and total deposits of $2.0B. Profitability stands at 1.19% ROA and 14.60% ROE, with a net interest margin of 2.88%. The bank's CET1 capital ratio is 15.58%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.04% and a Texas Ratio of 0.25%. FDIC Certificate #5551.

Assets

$2.5B

Deposits

$2.0B

Loans

$1.3B

Equity

$207M

Profitability

Return on Assets (ROA) 1.19%
Return on Equity (ROE) 14.60%
Net Interest Margin (NIM) 2.88%
Yield on Assets 5.02%
Cost of Funds 2.43%

Asset Quality

NPL Ratio 0.04%
Net Charge-Off Ratio 0.03%
Texas Ratio 0.25%
NPA Ratio 0.02%
ACL / Loans 2.40%

Capital & Liquidity

CET1 Ratio 15.58%
Tier 1 Capital 15.58%
Total Capital Ratio 16.84%
Leverage Ratio 8.52%
Loan-to-Deposit 66.27%

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