Extraco Banks, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 1120.31 percentage points in Q2 2026, from 4566.67% to 5686.97%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Extraco Banks, N.A. is 291st of 345 on return on assets, 0.78% as of Q2 2026, below the middle of the field. Extraco Banks, N.A. reported 0.78% on return on assets for Q2 2026, 0.50 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.88% |
| Tier 1 risk-based capital ratio | 15.88% |
| Total risk-based capital ratio | 17.14% |
| Tier 1 leverage ratio | 8.67% |
| Equity capital to assets | 8.44% |
| Tangible equity to tangible assets | 8.44% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.04% |
| Non-performing assets ratio | 0.02% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 0.23% |
| Allowance for credit losses to loans | 2.39% |
| Reserve coverage of non-performing loans | 5686.97% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.78% |
| Return on equity | 9.02% |
| Net interest margin | 2.96% |
| Efficiency ratio | 70.66% |
| Yield on earning assets | 4.90% |
| Cost of funds | 1.90% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.41% |
| Core deposits to total deposits | 95.31% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 81.34% |
| Securities to assets | 28.31% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.54% | 14.54% | 15.80% | 8.30% | 0.82% |
| Q4 2023 | 14.50% | 14.50% | 15.77% | 8.22% | 0.64% |
| Q1 2024 | 14.27% | 14.27% | 15.54% | 8.16% | 0.69% |
| Q2 2024 | 14.12% | 14.12% | 15.38% | 8.03% | 0.67% |
| Q3 2024 | 14.49% | 14.49% | 15.75% | 7.83% | 0.85% |
| Q4 2024 | 14.66% | 14.66% | 15.92% | 8.20% | 0.86% |
| Q1 2025 | 14.71% | 14.71% | 15.97% | 8.24% | 0.69% |
| Q2 2025 | 14.86% | 14.86% | 16.12% | 8.21% | 0.94% |
| Q3 2025 | 15.10% | 15.10% | 16.37% | 8.34% | 0.75% |
| Q4 2025 | 15.58% | 15.58% | 16.84% | 8.52% | 1.21% |
| Q1 2026 | 15.86% | 15.86% | 17.13% | 8.70% | 0.82% |
| Q2 2026 | 15.88% | 15.88% | 17.14% | 8.67% | 0.78% |
Extraco Banks, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Extraco Banks, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Extraco Banks, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5551) · FFIEC NIC profile (RSSD 537560)