Extraco Banks
Extraco Banks reported total assets of $2.6 bn at Q2 2026, up 4.0% on a year earlier, the 486th largest of 497 banks in our US coverage. The CET1 capital ratio at Extraco Banks was 15.88%, and the uninsured share of Extraco Banks was 19.17%. Source: FDIC Call Reports.
Key takeaways
- On return on equity (ROE), Extraco Banks slipped from 286th to 370th among 500 US banks between and (1 = highest; FDIC Call Reports).
- Extraco Banks reports one of the lowest noncurrent loans to total loans readings among banks of $1 bn to $10 bn: 0.04% at , where the median of the 339 banks is 0.58% (FDIC Call Reports).
- The tier 1 leverage ratio of Extraco Banks, 8.67% at , places Extraco Banks in the bottom tenth of banks of $1 bn to $10 bn (group median 10.45%; FDIC Call Reports).
What sets Extraco Banks apart
- Few banks of $1 bn to $10 bn report a higher efficiency ratio than Extraco Banks, at 75.67% in against a group median of 56.87%.
- Extraco Banks reports one of the lowest loan-to-deposit ratio readings among banks of $1 bn to $10 bn: 62.87% at , where the median of the 339 banks is 88.61%.
How large is Extraco Banks?
The balance sheet of Extraco Banks at : assets $2.6 bn, deposits $2.1 bn, net loans $1.3 bn (loans equal to 62.87% of deposits). Securities make up 28.3% of total assets at Extraco Banks. Since , when Extraco Banks held $1.4 bn, its assets grew 88.5%. In the year to , deposits at Extraco Banks rose 4.8% while its total assets rose 4.0%. At , Extraco Banks employed 310 full-time equivalent staff across 16 offices, about $8.3 mn of assets per employee and $130.9 mn of deposits per office.
How much funding at Extraco Banks is uninsured?
At Extraco Banks, uninsured deposits (above the FDIC limit) made up 19.17% of domestic deposits at (-1.58 pp on a year earlier); Extraco Banks ranks 414th of 500 on this measure. In dollars, Extraco Banks estimated $401.5 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.1 bn | +4.8% | 489th of 499 |
| Net loans and leases | $1.3 bn | +1.0% | 489th of 500 |
| Loan-to-deposit ratio | 62.87% | -2.34 pp | 450th of 500 |
| Tier 1 leverage ratio | 8.67% | +0.46 pp | 452nd of 500 |
| Total risk-based capital ratio | 17.14% | +1.02 pp | 86th of 448 |
| Net interest margin | 2.82% | +0.03 pp | 436th of 500 |
| Return on assets (ROA) | 0.78% | -0.04 pp | 435th of 500 |
| Efficiency ratio | 75.67% | +2.45 pp | 467th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $4.5 mn | Narrowed by $12.9 mn | |
| Unrealized gain/loss on available-for-sale securities | Gain of $724,000 | Turned from a loss into a gain | |
| Noncurrent loans to total loans | 0.04% | -0.06 pp | 21st of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.04% | +0.00 pp | 186th of 500 (1 = lowest) |
US rank of Extraco Banks: 1 = highest unless marked 1 = lowest.
Balance sheet
Extraco Banks: assets, deposits and loans
- Total assets $2.6bn
- Deposits $2.1bn
- Net loans $1.3bn
Capital and securities
The CET1 ratio of Extraco Banks stood at 15.88% in , +1.02 pp year on year. Low and high at Extraco Banks since : 14.12% () to 16.36% (). Equity capital of Extraco Banks at : $217.3 mn, or 8.4% of total assets. Extraco Banks also reported a total capital ratio of 17.14% for , and a tier 1 leverage ratio of 8.67%.
On held-to-maturity securities, Extraco Banks carried an unrealized loss of $4.5 mn at , equal to 2.1% of equity capital. The loss narrowed by $12.9 mn over the year. Its deepest point: $29.0 mn in . The available-for-sale portfolio of Extraco Banks showed an unrealized gain of $724,000 at ; the gain turned from a loss into a gain over the year.
Extraco Banks: capital ratios
- Total capital 17%
- CET1 16%
- Tier 1 leverage 8.7%
Extraco Banks: unrealized securities gains and losses
- Available for sale $724,000
- Held to maturity -$4mn
Profitability and loan quality
For the year to , Extraco Banks earned a return on equity of 9.27%; return on assets: 0.78%. Net interest margin at Extraco Banks: 2.82%, +0.03 pp in a year. Extraco Banks net income: $9.8 mn, down 1.2% year on year. The efficiency ratio of Extraco Banks was 75.67%: about 76 cents cost per revenue dollar, against 46 cents at the median peer.
At , noncurrent loans were 0.04% of total loans at Extraco Banks; net charge-offs: 0.04% of average loans. Gross loans and leases at Extraco Banks: $1.3 bn, up 1.1% in a year.
Extraco Banks: profitability
- Return on equity 9.3%
- Net interest margin 2.8%
- Return on assets 0.8%
Peer group of Extraco Banks
The peer group of Extraco Banks is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of Extraco Banks (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 2 have head offices in Texas. Against them, Extraco Banks shows CET1 ratio 15.88% against a peer median of 13.42%, return on equity 9.27% against a peer median of 8.71% and uninsured deposit share 19.17% against a peer median of 30.53%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Wells Fargo Bank South Central | National bank | TX | $2.6 bn | 80.53% | 5.69% | 0.46% | |
| State Bank of Texas | State nonmember bank | TX | $2.6 bn | not reported | 27.93% | 16.58% | |
| First National Bank | National bank | AR | $2.6 bn | 13.42% | 10.46% | 37.85% | |
| Extraco Banks | National bank | TX | $2.6 bn | 15.88% | 9.27% | 19.17% | |
| Cornerstone Bank | State member bank | MA | $2.6 bn | 11.84% | 6.96% | 27.38% | |
| United Business Bank | State member bank | CA | $2.6 bn | 13.76% | 0.93% | 46.48% | |
| Schaumburg Bank & Trust Company | National bank | IL | $2.6 bn | 11.07% | 17.97% | 33.69% | |
. FDIC Call Reports.
Last eight quarters
Two years at Extraco Banks, to : assets +6.3%, deposits +7.4%, equity +11.0%. Staff 290 to 310.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.4 bn | $2.4 bn | $2.5 bn | $2.5 bn | $2.5 bn | $2.5 bn | $2.5 bn | $2.6 bn |
| Total deposits | $2.0 bn | $1.9 bn | $2.0 bn | $2.0 bn | $2.0 bn | $2.0 bn | $2.0 bn | $2.1 bn |
| Bank equity capital | $195.8 mn | $197.1 mn | $197.2 mn | $195.4 mn | $200.3 mn | $207.4 mn | $212.4 mn | $217.3 mn |
| CET1 ratio | 14.49% | 14.66% | 14.71% | 14.86% | 15.10% | 15.58% | 15.86% | 15.88% |
| Return on equity (ROE) | 8.94% | 9.31% | 8.46% | 10.14% | 9.83% | 11.03% | 9.53% | 9.27% |
| Uninsured share of domestic deposits | 23.24% | 22.67% | 21.06% | 20.75% | 20.78% | 19.19% | 19.02% | 19.17% |
| Full-time equivalent employees | 290 | 292 | 287 | 287 | 293 | 298 | 303 | 310 |
| Number of offices | 16 | 16 | 16 | 16 | 16 | 16 | 16 | 16 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Extraco Banks appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Extraco Banks?
Extraco Banks reported $2.6 bn at in its Call Report. That makes Extraco Banks the 486th largest of 497 banks in our US coverage.
Is Extraco Banks the same as its holding company?
No. This page covers Extraco Banks, FDIC certificate 5551; EXTRACO CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Extraco Banks profitable?
Extraco Banks reported net income of $9.8 mn for the year to ; annualized return on equity: 9.27%. So yes: Extraco Banks made a profit over these months.
When is data for Extraco Banks next updated?
Figures from Extraco Banks for are due after .
Where can I check the figures for Extraco Banks?
In the FDIC BankFind Suite record for certificate 5551, and in the Call Reports of Extraco Banks (RSSD ID 537560) at the FFIEC Central Data Repository.