Texas Exchange Bank
Texas Exchange Bank reported total assets of $4.5 bn at Q2 2026, up 42.5% on a year earlier, the 304th largest of 497 banks in our US coverage. The CET1 capital ratio at Texas Exchange Bank was 30.06%, and the uninsured share of Texas Exchange Bank was 1.30%. Source: FDIC Call Reports.
Key takeaways
- On return on equity (ROE), Texas Exchange Bank slipped from 96th to 469th among 500 US banks between and (1 = highest; FDIC Call Reports).
- Texas Exchange Bank reports one of the lowest noncurrent loans to total loans readings among banks of $1 bn to $10 bn: 0.00% at , where the median of the 339 banks is 0.58% (FDIC Call Reports).
- At 95.17%, the efficiency ratio of Texas Exchange Bank sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 56.87% (FDIC Call Reports).
What sets Texas Exchange Bank apart
- Among the 339 banks of $1 bn to $10 bn, few report a lower uninsured share of domestic deposits than Texas Exchange Bank, at 1.30% in ; the group median is 32.61%.
- Texas Exchange Bank reports one of the lowest net interest margin readings among banks of $1 bn to $10 bn: 1.48% at , where the median of the 339 banks is 3.66%.
- The loan-to-deposit ratio of Texas Exchange Bank, 25.86% at , places Texas Exchange Bank in the bottom tenth of banks of $1 bn to $10 bn (group median 88.61%).
How large is Texas Exchange Bank?
The balance sheet of Texas Exchange Bank at : assets $4.5 bn, deposits $2.6 bn, net loans $683.6 mn (loans equal to 25.86% of deposits). Securities make up 13.4% of total assets at Texas Exchange Bank. Since , when Texas Exchange Bank held $213.3 mn, its assets grew 2,005.2%. In the year to , deposits at Texas Exchange Bank rose 2.1% while its total assets rose 42.5%. At , Texas Exchange Bank employed 32 full-time equivalent staff across 2 offices, about $140.3 mn of assets per employee and $1.3 bn of deposits per office.
How much funding at Texas Exchange Bank is uninsured?
At Texas Exchange Bank, uninsured deposits (above the FDIC limit) made up 1.30% of domestic deposits at (+0.60 pp on a year earlier); Texas Exchange Bank ranks 495th of 500 on this measure. In dollars, Texas Exchange Bank estimated $34.3 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.6 bn | +2.1% | 395th of 499 |
| Net loans and leases | $683.6 mn | -23.7% | 492nd of 500 |
| Loan-to-deposit ratio | 25.86% | -8.74 pp | 490th of 500 |
| Tier 1 leverage ratio | 12.44% | +0.05 pp | 80th of 500 |
| Total risk-based capital ratio | 30.82% | +1.04 pp | 14th of 448 |
| Net interest margin | 1.48% | -1.77 pp | 491st of 500 |
| Return on assets (ROA) | 0.43% | -1.25 pp | 474th of 500 |
| Efficiency ratio | 95.17% | +20.14 pp | 498th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $21,000 | Turned from a gain into a loss | |
| Unrealized gain/loss on available-for-sale securities | Gain of $273,000 | Fell by $1.3 mn | |
| Noncurrent loans to total loans | 0.00% | 0.00 pp | 1st of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.00% | 0.00 pp | 43rd of 500 (1 = lowest) |
US rank of Texas Exchange Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Texas Exchange Bank: assets, deposits and loans
- Total assets $4.5bn
- Deposits $2.6bn
- Net loans $684mn
Capital and securities
The CET1 ratio of Texas Exchange Bank stood at 30.06% in , +1.30 pp year on year. Low and high at Texas Exchange Bank since : 15.20% () to 30.64% (). Equity capital of Texas Exchange Bank at : $368.9 mn, or 8.2% of total assets. Texas Exchange Bank also reported a total capital ratio of 30.82% for , and a tier 1 leverage ratio of 12.44%.
On held-to-maturity securities, Texas Exchange Bank carried an unrealized loss of $21,000 at , equal to 0.0% of equity capital. The loss turned from a gain into a loss over the year. Its deepest point: $12.7 mn in . The available-for-sale portfolio of Texas Exchange Bank showed an unrealized gain of $273,000 at ; the gain fell by $1.3 mn over the year.
Texas Exchange Bank: capital ratios
- Total capital 31%
- CET1 30%
- Tier 1 leverage 12%
Texas Exchange Bank: unrealized securities gains and losses
- Available for sale $273,000
- Held to maturity -$21,000
Profitability and loan quality
For the year to , Texas Exchange Bank earned a return on equity of 4.95%; return on assets: 0.43%. Net interest margin at Texas Exchange Bank: 1.48%, -1.77 pp in a year. Texas Exchange Bank net income: $9.4 mn, down 69.1% year on year. The efficiency ratio of Texas Exchange Bank was 95.17%: about 95 cents cost per revenue dollar, against 45 cents at the median peer.
At , noncurrent loans were 0.00% of total loans at Texas Exchange Bank; net charge-offs: 0.00% of average loans. Gross loans and leases at Texas Exchange Bank: $693.2 mn, down 23.7% in a year.
Texas Exchange Bank: profitability
- Return on equity 5.0%
- Net interest margin 1.5%
- Return on assets 0.4%
Peer group of Texas Exchange Bank
The peer group of Texas Exchange Bank 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 Texas Exchange Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in Texas. Against them, Texas Exchange Bank shows CET1 ratio 30.06% against a peer median of 15.91%, return on equity 4.95% against a peer median of 12.68% and uninsured deposit share 1.30% against a peer median of 31.55%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| International Bank of Commerce | State nonmember bank | TX | $4.6 bn | 28.73% | 13.76% | 30.10% | |
| Hingham Institution for Savings | State-chartered stock savings bank | MA | $4.6 bn | 14.69% | 11.55% | 35.83% | |
| First State Community Bank | State nonmember bank | MO | $4.5 bn | 14.35% | 14.93% | 22.97% | |
| Texas Exchange Bank | State nonmember bank | TX | $4.5 bn | 30.06% | 4.95% | 1.30% | |
| First Federal Bank | Federal savings bank | FL | $4.5 bn | 20.56% | 11.61% | 40.67% | |
| Metro City Bank | State nonmember bank | GA | $4.5 bn | 17.14% | 17.77% | 32.79% | |
| Arrow Bank | National bank | NY | $4.5 bn | 12.71% | 11.47% | 30.32% | |
. FDIC Call Reports.
Last eight quarters
Two years at Texas Exchange Bank, to : assets +4.4%, deposits +3.6%, equity -11.0%. Staff 27 to 32.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $4.3 bn | $4.4 bn | $3.3 bn | $3.2 bn | $4.6 bn | $4.5 bn | $4.3 bn | $4.5 bn |
| Total deposits | $2.6 bn | $2.7 bn | $2.7 bn | $2.6 bn | $2.7 bn | $2.6 bn | $2.6 bn | $2.6 bn |
| Bank equity capital | $414.3 mn | $386.7 mn | $393.5 mn | $404.0 mn | $376.2 mn | $385.6 mn | $388.7 mn | $368.9 mn |
| CET1 ratio | 22.85% | 22.80% | 25.84% | 28.76% | 23.77% | 25.23% | 30.64% | 30.06% |
| Return on equity (ROE) | 40.83% | 37.74% | 21.64% | 15.50% | 6.93% | 7.97% | 15.77% | 4.95% |
| Uninsured share of domestic deposits | 0.53% | 0.39% | 0.39% | 0.70% | 0.41% | 1.45% | 1.31% | 1.30% |
| Full-time equivalent employees | 27 | 27 | 28 | 30 | 31 | 33 | 31 | 32 |
| Number of offices | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 |
FDIC Call Reports.
Mergers and acquisitions
Large one-quarter moves at Texas Exchange Bank
- Total assets at Texas Exchange Bank changed by +56.4% in the quarter to 2016-06-30, with no FDIC structure event in that quarter.
- Total assets at Texas Exchange Bank changed by +73.3% in the quarter to 2017-03-31, with no FDIC structure event in that quarter.
- Total assets at Texas Exchange Bank changed by +29.4% in the quarter to 2017-06-30, with no FDIC structure event in that quarter.
- Total assets at Texas Exchange Bank changed by -39.8% in the quarter to 2018-12-31, with no FDIC structure event in that quarter.
- Total assets at Texas Exchange Bank changed by +42.4% in the quarter to 2019-03-31, with no FDIC structure event in that quarter.
- Total assets at Texas Exchange Bank changed by +52.5% in the quarter to 2020-09-30, with no FDIC structure event in that quarter.
- Total assets at Texas Exchange Bank changed by -34.3% in the quarter to 2022-12-31, with no FDIC structure event in that quarter.
- Total assets at Texas Exchange Bank changed by +38.3% in the quarter to 2024-06-30, with no FDIC structure event in that quarter.
- Total assets at Texas Exchange Bank changed by +47.2% in the quarter to 2025-09-30, with no FDIC structure event in that quarter.
Questions and identifiers
What were the total assets of Texas Exchange Bank?
Texas Exchange Bank reported $4.5 bn at in its Call Report. That makes Texas Exchange Bank the 304th largest of 497 banks in our US coverage.
Is Texas Exchange Bank the same as its holding company?
No. This page covers Texas Exchange Bank, FDIC certificate 20099; TEB TRUST (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Texas Exchange Bank profitable?
Texas Exchange Bank reported net income of $9.4 mn for the year to ; annualized return on equity: 4.95%. So yes: Texas Exchange Bank made a profit over these months.
When is data for Texas Exchange Bank next updated?
Figures from Texas Exchange Bank for are due after .
Where can I check the figures for Texas Exchange Bank?
In the FDIC BankFind Suite record for certificate 20099, and in the Call Reports of Texas Exchange Bank (RSSD ID 822556) at the FFIEC Central Data Repository.