Texas Exchange Bank
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Data as of · sourced from FFIEC call reports. How we update
Texas Exchange Bank is an FDIC-insured commercial bank headquartered in Crowley, TX, established in 1970 (FDIC certificate 20099), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $4.49B, up 42.5% from Q2 2025, the 24th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 30.06% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 20099
- Headquarters
- Crowley, TX
- Established
- 1970
- Total assets, Q2 2026
- $4.49B
- Assets vs Q2 2025
- +42.5%
- CET1 ratio, Q2 2026
- 30.06%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 111903232
- Holding company
- TEB TRUST
- Asset rank in state
- 24th of 346 in Texas
Texas Exchange Bank spends more to run itself than most banks of its size. The Crowley, Texas bank had $4.5 billion in assets at June 30, 2026, up 42.5% from a year earlier. It loses about $0.75 a year on every $100 of assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median $1.29). It also spends about 114 cents to bring in each dollar of revenue, about double the median of 58 cents for banks its size.
It lost $5.8 million in the quarter. Over the same year, loans shrank 23.7% and deposits grew 2.1%. Its margin is thin by comparison: it keeps 1.96 cents of net interest income on every dollar of earning assets, about half the median of 3.71 cents for banks its size.
As of June 30, 2026, Texas Exchange Bank reported a CET1 capital ratio of 30.06%, a return on assets of -0.75%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Texas Exchange Bank is the 24th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 5.1% to $4.49B, loans rose 0.9% and deposits rose 2.4%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 86.4% of total loans, ahead of construction and land development loans at 9.8%. The FDIC Summary of Deposits lists 2 offices for it, in Crowley, TX and Fort Worth, TX; its Crowley office books 98% of its branch deposits. Judged on its Q2 2026 call report, Texas Exchange Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 109 N Crowley Rd, Crowley, TX 76036
- County
- Tarrant
- Metro Area
- Dallas-Fort Worth-Arlington, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 5, 1970
- Former names
- Texas Exchange Bank, SSB (2008-2022); The Bank of Crowley (1975-2008)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 32
- Domestic deposits
- $2.64B
- Allowance for credit losses
- $9.6M
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $3.10B
- Average total loans
- $690.1M
- Average interest-bearing deposits
- $2.58B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 5, 1970
- FDIC Cert
- 20099
- Fed RSSD
- 822556
- Website
- www.txexbank.com →
- Parent Holding Company
- TEB TRUST (RSSD 5886414)
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
Texas Exchange Bank's total assets moved between a low of $2.72B (Q4 2023) and a high of $4.64B (Q3 2025) from Q3 2023 to Q2 2026, and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$4.49B total assets against $3.15B; $4.12B total liabilities against $2.75B.
$683.6M net loans and leases against $896.0M; $2.64B total deposits against $2.59B.
$601.6M securities against $904.6M; $1.51B cash and balances due against $1.12B.
$38.2M total interest income against $49.7M; $23.6M total interest expense against $21.9M.
$14.6M net interest income against $27.9M.
$23.9M total noninterest income against $22.5M; $43.7M total noninterest expense against $41.5M.
$468K provision for credit losses against -$397K.
-$5.8M net income against $9.5M.
-0.75% return on assets against 1.19%; 1.96% net interest margin against 3.63%.
30.06% CET1 capital ratio against 28.76%; 12.44% tier 1 leverage ratio against 12.39%.
Inside the full Texas Exchange Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeTexas Exchange Bank rankings
Its closest position to the top of a national ranking is 80 of 2,134, for CET1 ratio; its furthest is 976 of 980, for uninsured deposits.
Metric pages for Texas Exchange Bank: CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -1.30% (Q3 2025) to 6.44% (Q3 2024) and its net interest margin ran from 1.96% (Q2 2026) to 5.05% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 30.06% | -0.75% | 0.00% | 0.00% | 1.96% |
| Q1 2026 | 30.64% | 2.00% | 0.00% | 0.00% | 2.19% |
| Q4 2025 | 25.23% | 1.38% | 0.00% | 0.00% | 3.06% |
| Q3 2025 | 23.77% | -1.30% | 0.00% | 0.00% | 3.42% |
| Q2 2025 | 28.76% | 1.19% | 0.00% | 0.00% | 3.63% |
| Q1 2025 | 25.84% | 2.66% | 1.05% | 2.55% | 3.53% |
| Q4 2024 | 22.80% | 3.44% | 1.26% | 3.71% | 4.05% |
| Q3 2024 | 22.85% | 6.44% | 1.29% | 3.48% | 5.05% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Texas Exchange Bank (main office) | Crowley , TX | 76036 | $2.59B |
| Downtown Fort Worth-Sundance Square | Fort Worth , TX | 76102 | $52.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in TX, rank 53 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Texas Exchange Bank
What are Texas Exchange Bank's total assets?
As of the Q2 2026 filing, Texas Exchange Bank reported total assets of $4.49 billion in its FFIEC call report.
Where is Texas Exchange Bank headquartered?
It is headquartered in Crowley, TX, United States.
When was Texas Exchange Bank founded?
It was established in 1970, per the FDIC institution directory.
Is Texas Exchange Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #20099). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Texas Exchange Bank?
Texas Exchange Bank's primary federal regulator is the FDIC.
What is Texas Exchange Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 30.06% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Texas Exchange Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Texas Exchange Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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.
What was Texas Exchange Bank previously called?
The charter now named Texas Exchange Bank has also operated as Texas Exchange Bank, SSB (2008-2022), The Bank of Crowley (1975-2008), per FDIC structure-change records.
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