Extraco Banks, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Extraco Banks, N.A. of Temple, TX against its peer group of 927 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.78% | 1.46% | -0.68% | 18th bottom |
| ROAE | 9.02% | 12.69% | -3.67% | 26th below |
| Net Interest Margin | 2.96% | 3.85% | -0.89% | 13th bottom |
| Efficiency Ratio | 70.66% | 57.39% | +13.27% | 19th bottom |
| PPNR / Avg Assets | 0.83% | 1.88% | -1.05% | 10th bottom |
| Yield on Earning Assets | 4.90% | 5.72% | -0.82% | 16th bottom |
| Cost of Funds | 1.90% | 2.02% | -0.12% | 56th above |
| Net Interest Spread | 2.52% | 3.18% | -0.66% | 21st bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.04% | 1.00% | -0.96% | 93rd top |
| NPA / Total Assets | 0.02% | 0.76% | -0.74% | 94th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.43% | -0.40% | 49th below |
| ACL / Total Loans | 2.39% | 1.31% | +1.08% | 98th top |
| ACL / NPLs (Coverage) | 5686.97% | 559.13% | +5127.84% | — |
| Texas Ratio | 0.23% | 7.40% | -7.17% | 94th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 191.13% | 619.05% | -427.92% | 56th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.88% | 17.34% | -1.46% | 77th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.88% | 17.37% | -1.49% | 77th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.14% | 18.42% | -1.28% | 78th top |
| Leverage Ratio | 8.67% | 11.44% | -2.77% | 7th bottom |
| Equity / Assets | 8.44% | 11.34% | -2.90% | 12th bottom |
| TCE / Tangible Assets | 8.44% | 10.50% | -2.06% | 19th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 64.41% | 86.98% | -22.57% | 91st top |
| Core Deposit Ratio | 95.31% | 85.54% | +9.77% | 87th top |
| Uninsured Deposit Ratio | 19.17% | 33.14% | -13.97% | 85th top |
| Wholesale Funding Ratio | 9.61% | 5.70% | +3.91% | 17th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.02% | 9.68% | -5.66% | 42nd below |
| Loan Growth (Y/Y) | 1.07% | 8.07% | -7.00% | 22nd bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.79% | 7.88% | -3.09% | 50th above |
See Extraco Banks, N.A.'s peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Extraco Banks, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Extraco Banks, N.A. profile, how to read a UBPR, or how this data updates.