Extraco Banks, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Extraco Banks, N.A. is an FDIC-insured commercial bank headquartered in Temple, TX, established in 1933 (FDIC certificate 5551), and it is supervised by the OCC. At Q2 2026 it reported total assets of $2.57B, up 4.0% from Q2 2025, the 42nd largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 15.88% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 5551
- Headquarters
- Temple, TX
- Established
- 1933
- Total assets, Q2 2026
- $2.57B
- Assets vs Q2 2025
- +4.0%
- CET1 ratio, Q2 2026
- 15.88%
- Domestic offices
- 16 FDIC institution directory, current count
- Routing number
- 111900581
- Latest call report
- Q2 2026, FFIEC 041 · Extraco Banks, N.A. call report
- Holding company
- EXTRACO CORPORATION
- Asset rank in state
- 42nd of 346 in Texas
Extraco Banks, N.A. operates with a thinner capital cushion than most banks of its size. It reported $2.6 billion in assets at June 30, 2026, up 4.0% from a year earlier. It funds 8.67% of its assets with Tier 1 capital, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 10.52%). On the other hand, it carries problem assets equal to 0.2% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for banks its size.
The non-owner-occupied commercial real estate book ($226 million) is worsening: 3.00% of it is past due or on nonaccrual, up from 0.18% a year earlier. Net income for the quarter slipped 17% from a year earlier, to $4.8 million. Its margin is thin by comparison: it keeps 2.96 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
As of June 30, 2026, Extraco Banks, N.A. reported a CET1 capital ratio of 15.88%, a return on assets of 0.78%, a nonperforming-loan ratio of 0.04% and a Texas ratio of 0.23%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Extraco Banks, N.A. is the 42nd largest of the 346 banks headquartered in Texas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.2% to $2.57B, loans rose 1.0% and deposits rose 3.2%. 1-4 family residential loans made up 43.3% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 16.8%. The FDIC Summary of Deposits lists 16 offices for it, in 11 cities in TX; its Waco 3 offices book 32% of its branch deposits. Judged on its Q2 2026 call report, Extraco Banks, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3615 S 31st St, Temple, TX 76502
- County
- Bell
- Metro Area
- Killeen-Temple, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- September 20, 1933
- Domestic offices
- 16 FDIC institution directory, current count
- Employees (FTE)
- 310
- Domestic deposits
- $2.09B
- Allowance for credit losses
- $32.3M
- Net charge-offs (YTD)
- $293K
- Average total assets
- $2.49B
- Average total loans
- $1.34B
- Average interest-bearing deposits
- $1.93B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5551
- Fed RSSD
- 537560
- Website
- www.extracobanks.com →
- Parent Holding Company
- EXTRACO CORPORATION (RSSD 1104923)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Extraco Banks, N.A.'s total assets ranged from $2.28B (Q3 2023) to $2.57B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.57B total assets against $2.48B; $2.36B total liabilities against $2.28B.
$1.32B net loans and leases against $1.30B; $2.09B total deposits against $2.00B.
$729.0M securities against $692.6M; $444.1M cash and balances due against $400.4M.
$28.8M total interest income against $28.8M; $11.8M total interest expense against $12.6M.
$17.0M net interest income against $16.2M.
$4.7M total noninterest income against $5.5M; $16.5M total noninterest expense against $15.2M.
$333K provision for credit losses against $750K.
$4.8M net income against $5.8M.
0.78% return on assets against 0.94%; 2.96% net interest margin against 2.87%.
15.88% CET1 capital ratio against 14.86%; 8.67% tier 1 leverage ratio against 8.21%.
Inside the full Extraco Banks, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeExtraco Banks, N.A. rankings
Its closest position to the top of a national ranking is 484 of 4,196, for total assets; its furthest is 3,137 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.69% (Q1 2025) to 1.21% (Q4 2025) and its net interest margin ran from 2.85% (Q3 2024) to 2.96% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.88% | 0.78% | 0.04% | 0.23% | 2.96% |
| Q1 2026 | 15.86% | 0.82% | 0.05% | 0.29% | 2.96% |
| Q4 2025 | 15.58% | 1.21% | 0.05% | 0.28% | 2.91% |
| Q3 2025 | 15.10% | 0.75% | 0.07% | 0.39% | 2.94% |
| Q2 2025 | 14.86% | 0.94% | 0.10% | 0.61% | 2.87% |
| Q1 2025 | 14.71% | 0.69% | 0.09% | 0.52% | 2.90% |
| Q4 2024 | 14.66% | 0.86% | 0.07% | 0.39% | 2.95% |
| Q3 2024 | 14.49% | 0.85% | 0.09% | 0.54% | 2.85% |
Swipe the table sideways to see every column.
Branch Network
View all 16 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| WacoNorth Valley Mills Branch | Waco , TX | 76710 | $587.3M |
| Extraco Banks, N.A. (main office) | Temple , TX | 76502 | $527.4M |
| College Station Branch | College Station , TX | 77845 | $186.4M |
| Harker Heights Branch | Harker Heights , TX | 76548 | $149.6M |
| Gatesville Branch | Gatesville , TX | 76528 | $131.1M |
| Belton Branch | Belton , TX | 76513 | $108.8M |
| DT Temple Branch | Temple , TX | 76501 | $98.9M |
| Killeen Branch | Killeen , TX | 76541 | $70.9M |
| Midway Branch | Waco , TX | 76712 | $68.4M |
| Bryan Branch | Bryan , TX | 77802 | $58.3M |
| Copperas Cove Branch | Copperas Cove , TX | 76522 | $38.7M |
| Hamilton Branch | Hamilton , TX | 76531 | $31.1M |
| Georgetown Branch | Georgetown , TX | 78628 | $29.7M |
| Downtown Waco Branch | Waco , TX | 76706 | $7.7M |
| First National Bank of Temple-Mobile Branch | Temple , TX | 76501 | $0 |
| First National Bank of Temple-Mobile Branch | Temple , TX | 76502 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 2, 2008 | Structure Change | Acquired Extraco Mortgage Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 13, 2006 | Structure Change | Acquired Extraco Investments Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 12, 2006 | Structure Change | Acquired Extraco Insurance Services Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2006 | Structure Change | Acquired Extraco Institutional Services Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 3, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 3, 2002 | Structure Change | Acquired Heights State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 31, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 31, 2000 | Structure Change | Acquired Guaranty Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 28, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 25, 1999 | Structure Change | Acquired Bank of Troy Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 22, 1999 | Structure Change | Acquired Extraco Banks, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 21, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 1991 | Structure Change | Acquired First National Bank of Temple - South Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 18, 1989 | Structure Change | Acquired Citizens National Bank of Killeen Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 17, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 2, 1988 | Structure Change | Acquired Texana National Bank of Belton Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 1, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 18 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action May 31, 2023. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in TX, rank 65 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 487 applications, 342 loans originated, $130.5M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $396K approved, $396K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Extraco Banks, N.A.
What are Extraco Banks, N.A.'s total assets?
As of the Q2 2026 filing, Extraco Banks, N.A. reported total assets of $2.57 billion in its FFIEC call report.
Where is Extraco Banks, N.A. headquartered?
It is headquartered in Temple, TX, United States.
When was Extraco Banks, N.A. founded?
It was established in 1933, per the FDIC institution directory.
Is Extraco Banks, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5551). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Extraco Banks, N.A.?
Extraco Banks, N.A.'s primary federal regulator is the OCC.
What is Extraco Banks, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.88% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Extraco Banks, N.A. operate?
It operates 16 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Extraco Banks, N.A.'s Texas Ratio?
Its Texas Ratio is 0.23% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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