Texas Exchange Bank: 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.
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 has the 5th lowest return on assets of the 345 banks headquartered in Texas, at -0.75% as of Q2 2026. Against a median of 1.27% for banks in the $1B-10B asset tier, Texas Exchange Bank reported -0.75% on return on assets in Q2 2026, 2.03 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 30.06% |
| Tier 1 risk-based capital ratio | 30.06% |
| Total risk-based capital ratio | 30.82% |
| Tier 1 leverage ratio | 12.44% |
| Equity capital to assets | 8.21% |
| Tangible equity to tangible assets | 8.20% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.39% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.75% |
| Return on equity | -6.15% |
| Net interest margin | 1.96% |
| Efficiency ratio | 113.52% |
| Yield on earning assets | 5.12% |
| Cost of funds | 3.53% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 26.23% |
| Core deposits to total deposits | 3.68% |
| Brokered deposits to total deposits | 96.20% |
| Deposits to assets | 58.87% |
| Securities to assets | 13.40% |
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 | 20.38% | 20.38% | 21.63% | 12.52% | 7.19% |
| Q4 2023 | 26.63% | 26.63% | 27.69% | 15.07% | 10.15% |
| Q1 2024 | 23.24% | 23.24% | 24.49% | 14.08% | 5.54% |
| Q2 2024 | 19.90% | 19.90% | 21.15% | 12.99% | 5.08% |
| Q3 2024 | 22.85% | 22.85% | 24.10% | 13.57% | 6.44% |
| Q4 2024 | 22.80% | 22.80% | 23.73% | 12.65% | 3.44% |
| Q1 2025 | 25.84% | 25.84% | 26.78% | 12.45% | 2.66% |
| Q2 2025 | 28.76% | 28.76% | 29.78% | 12.39% | 1.19% |
| Q3 2025 | 23.77% | 23.77% | 24.81% | 11.46% | -1.30% |
| Q4 2025 | 25.23% | 25.23% | 26.22% | 12.03% | 1.38% |
| Q1 2026 | 30.64% | 30.64% | 31.37% | 12.83% | 2.00% |
| Q2 2026 | 30.06% | 30.06% | 30.82% | 12.44% | -0.75% |
Texas Exchange Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas Exchange Bank, 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 Texas Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20099) · FFIEC NIC profile (RSSD 822556)