BanksEXTRACO BANKS, NATIONAL ASSOCIATION

EXTRACO BANKS, NATIONAL ASSOCIATION

TEMPLE, TXLargeEst. Sept. 20, 1933, midnightFDIC #5551RSSD #537560OCC
Latest · 2025-12-31

EXTRACO BANKS, NATIONAL ASSOCIATION is an 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%. CET1 capital ratio: 15.58%, well above regulatory minimums. NPL ratio: 0.04% · Texas Ratio: 0.25%. Operates 16 domestic branches.

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 Margin2.88%
Yield on Assets5.02%
Cost of Funds2.29%

Asset Quality

NPL Ratio0.04%
Net Charge-Off Ratio0.03%
Texas Ratio0.25%
NPA Ratio0.02%
ACL / Loans2.40%

Capital & Liquidity

CET1 Ratio15.58%
Tier 1 Capital15.58%
Total Capital Ratio16.84%
Leverage Ratio8.52%
Loan-to-Deposit66.27%

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