Extraco Banks, N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Extraco Banks, N.A. is a community bank chartered in 1933, based in Temple, TX. The Q2 2026 balance sheet stands at $2.6B in assets, including $1.3B in loans. Earnings are mid-range, 0.78% ROA and a 2.96% net interest margin. Regulatory capital is solid, 15.88% CET1 and 17.14% total risk-based capital ratio. Asset quality is pristine, 0.04% NPLs and a 0.23% Texas Ratio. Its footprint covers 16 branches concentrated in Texas.
As of June 30, 2026, Extraco Banks, N.A. reported a CET1 capital ratio of 15.88%, a return on assets of 0.78%, a nonperforming-loan ratio of 0.04%, a Texas ratio of 0.23%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 3615 S 31st St, Temple, TX 76502
- County
- Bell
- Metro Area
- Killeen-Temple, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- September 20, 1933
- Offices
- 16 domestic
- Employees (FTE)
- 310
- Domestic deposits
- $2.09B
- Allowance for credit losses
- $32.3M
- Net charge-offs (YTD)
- $293K
- Average total assets
- $2.49B
- Average total loans
- $1.34B
- Average interest-bearing deposits
- $1.93B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5551
- Fed RSSD
- 537560
- Website
- www.extracobanks.com →
- Parent Holding Company
- EXTRACO CORPORATION (RSSD 1104923)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Extraco Banks, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.88% | 0.78% | 0.04% | 0.23% | 2.96% |
| Q1 2026 | 15.86% | 0.82% | 0.05% | 0.29% | 2.96% |
| Q4 2025 | 15.58% | 1.21% | 0.04% | 0.28% | 2.91% |
| Q3 2025 | 15.10% | 0.75% | 0.06% | 0.39% | 2.94% |
| Q2 2025 | 14.86% | 0.94% | 0.08% | 0.61% | 2.87% |
| Q1 2025 | 14.71% | 0.69% | 0.09% | 0.52% | 2.90% |
| Q4 2024 | 14.66% | 0.86% | 0.07% | 0.39% | 2.95% |
| Q3 2024 | 14.49% | 0.85% | 0.09% | 0.54% | 2.85% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 16 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| WacoNorth Valley Mills Branch | Waco , TX | 76710 | $587.3M |
| Extraco Banks, N.A. (main office) | Temple , TX | 76502 | $527.4M |
| College Station Branch | College Station , TX | 77845 | $186.4M |
| Harker Heights Branch | Harker Heights , TX | 76548 | $149.6M |
| Gatesville Branch | Gatesville , TX | 76528 | $131.1M |
| Belton Branch | Belton , TX | 76513 | $108.8M |
| DT Temple Branch | Temple , TX | 76501 | $98.9M |
| Killeen Branch | Killeen , TX | 76541 | $70.9M |
| Midway Branch | Waco , TX | 76712 | $68.4M |
| Bryan Branch | Bryan , TX | 77802 | $58.3M |
| Copperas Cove Branch | Copperas Cove , TX | 76522 | $38.7M |
| Hamilton Branch | Hamilton , TX | 76531 | $31.1M |
| Georgetown Branch | Georgetown , TX | 78628 | $29.7M |
| Downtown Waco Branch | Waco , TX | 76706 | $7.7M |
| First National Bank of Temple-Mobile Branch | Temple , TX | 76501 | $0 |
| First National Bank of Temple-Mobile Branch | Temple , TX | 76502 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 2, 2008 | Structure Change | Acquired Extraco Mortgage Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 13, 2006 | Structure Change | Acquired Extraco Investments Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 12, 2006 | Structure Change | Acquired Extraco Insurance Services Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2006 | Structure Change | Acquired Extraco Institutional Services Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 3, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 3, 2002 | Structure Change | Acquired Heights State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 31, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 31, 2000 | Structure Change | Acquired Guaranty Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 28, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 25, 1999 | Structure Change | Acquired Bank of Troy Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 22, 1999 | Structure Change | Acquired Extraco Banks, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 21, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 1991 | Structure Change | Acquired First National Bank of Temple - South Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 18, 1989 | Structure Change | Acquired Citizens National Bank of Killeen Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 17, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 2, 1988 | Structure Change | Acquired Texana National Bank of Belton Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 1, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 18 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Extraco Banks, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action May 31, 2023. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in TX, rank 65 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 487 applications, 342 loans originated, $130.5M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Extraco Banks, N.A.
What are Extraco Banks, N.A.'s total assets?
As of the Q2 2026 filing, Extraco Banks, N.A. reported total assets of $2.57 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Extraco Banks, N.A. headquartered?
Extraco Banks, N.A. is headquartered in Temple, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Extraco Banks, N.A. founded?
Extraco Banks, N.A. was established in 1933, per the FDIC institution directory.
Is Extraco Banks, N.A. FDIC-insured?
Yes. Extraco Banks, N.A. is an FDIC-insured commercial bank (FDIC Certificate #5551). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Extraco Banks, N.A.?
Extraco Banks, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Extraco Banks, N.A.'s CET1 capital ratio?
Extraco Banks, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 15.88% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Extraco Banks, N.A. operate?
Extraco Banks, N.A. operates 16 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Extraco Banks, N.A.'s Texas Ratio?
Extraco Banks, N.A.'s Texas Ratio is 0.23% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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