Bank Safety Analysis
Is Texas Exchange Bank Safe?
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Texas Exchange Bank is outside the pass range on 1 of 5 safety dimensions: operating efficiency. Capital and leverage are above their regulatory minimums. The failed band is a BankRegReports band, not a supervisory threshold. Analysis based on the Q2 2026 call report.
The standout move of Q2 2026 was in return on assets: 2.76 percentage points lower than in Q1 2026, at -0.75%. Texas Exchange Bank ranks 27th of 184 Texas banks on CET1 ratio, in the upper half at 30.06% (Q2 2026). Against a median of 13.49% for banks in the $1B-10B asset tier, Texas Exchange Bank reported 30.06% on CET1 ratio in Q2 2026, 16.56 points higher. From Q3 2023 to Q2 2026, Texas Exchange Bank's CET1 ratio ranged between 19.90% (Q2 2024) and 30.64% (Q1 2026) and its Texas ratio ranged between 0.00% (Q2 2026) and 3.86% (Q2 2024). Between Q2 2025 and Q2 2026, Texas Exchange Bank's CET1 ratio rose from 28.76% to 30.06%, nonperforming loan ratio (nonaccrual plus 90+ days past due) held at 0.00%, Texas ratio held at 0.00% and return on assets fell from 1.19% to -0.75%.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating. Held-out test AUC 0.904 for the 1-year horizon (v20261005_114304). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. See the model evidence and limits and the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: banks with $1B to $10B in assets (941 banks) · Industry averages as of Q2 2026.
CET1 of 30.06% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 12.44% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.00% are within industry-normal range.
Texas Ratio of 0.0% is well below the 100% historical failure threshold.
Efficiency ratio of 113.5% suggests significant cost-to-revenue challenges.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 30.06% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 0.00% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.00% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | 1.30% | Watch at 50%, concern at 70% | Within range |
| Loan-to-deposit ratio BankRegReports band | 26.23% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 23.35% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.01% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 30.06% |
| Q1 2026 | 30.64% |
| Q4 2025 | 25.23% |
| Q3 2025 | 23.77% |
| Q2 2025 | 28.76% |
| Q1 2025 | 25.84% |
| Q4 2024 | 22.80% |
| Q3 2024 | 22.85% |
| Q2 2024 | 19.90% |
| Q1 2024 | 23.24% |
| Q4 2023 | 26.63% |
| Q3 2023 | 20.38% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.00% |
| Q1 2026 | 0.00% |
| Q4 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q1 2025 | 2.55% |
| Q4 2024 | 3.71% |
| Q3 2024 | 3.48% |
| Q2 2024 | 3.86% |
| Q1 2024 | 0.00% |
| Q4 2023 | 0.00% |
| Q3 2023 | 0.00% |
Texas Exchange Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 30.06% | 0.00% | 0.00% | -0.75% |
| Mar 31, 2026 | 30.64% | 0.00% | 0.00% | 2.00% |
| Dec 31, 2025 | 25.23% | 0.00% | 0.00% | 1.38% |
| Sep 30, 2025 | 23.77% | 0.00% | 0.00% | -1.30% |
| Jun 30, 2025 | 28.76% | 0.00% | 0.00% | 1.19% |
| Mar 31, 2025 | 25.84% | 1.05% | 2.55% | 2.66% |
| Dec 31, 2024 | 22.80% | 1.26% | 3.71% | 3.44% |
| Sep 30, 2024 | 22.85% | 1.29% | 3.48% | 6.44% |
| Jun 30, 2024 | 19.90% | 0.00% | 3.86% | 5.08% |
| Mar 31, 2024 | 23.24% | 0.00% | 0.00% | 5.54% |
| Dec 31, 2023 | 26.63% | 0.00% | 0.00% | 10.15% |
| Sep 30, 2023 | 20.38% | 0.00% | 0.00% | 7.19% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Texas Exchange Bank FDIC insured?
Yes. Texas Exchange Bank is an FDIC-insured commercial bank (FDIC Certificate #20099). Customer deposits are protected up to the standard FDIC insurance limit of $250,000 per depositor, per ownership category.
Is Texas Exchange Bank well capitalized?
Yes. Texas Exchange Bank reports a CET1 Ratio of 30.06%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator, the FDIC, applies under Prompt Corrective Action.
What is Texas Exchange Bank's nonperforming loan ratio?
As of the most recent call report, Texas Exchange Bank's nonperforming loan ratio is 0.00%. Nonperforming loans at 0.00% are within industry-normal range.
What is Texas Exchange Bank's Texas Ratio?
Texas Exchange Bank's Texas Ratio is 0.00%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 20099) · FFIEC NIC profile (RSSD 822556)
Explore: Full Texas Exchange Bank profile · Other banks in TX · Metric glossary · How the call report works