Extraco Banks National Association
Temple, Texas · $2.57B in assets · beside the 11 other Texas banks between $1B and $3B
The filing
Extraco Banks National Association is the fifth largest of the 12 Texas banks nearest its size between $1B and $3B, with $2.57B in assets at 30 June 2026. Loans are 64.4% of deposits, the lowest in the cohort against a median of 83.7%, and equity is 8.4% of assets, 11th of 12. Loans grew +1.1% in the year, 8th of 12, and deposits grew 4.8%; the cohort's median loan growth is +4.1%.
Noncurrent loans are 0.04% of the book, 2nd of 12 against a median of 0.64%; 0.57% is 30 to 89 days past due, and the allowance covers them 56.9 times. Commercial real estate is 25.7% of loans, 2nd of 12 against a median of 40.7%, and 149% of capital, below the 300% screen, with construction at 45% against the 100% screen.
Return on assets is 0.79%, the lowest in the cohort against a median of 1.67%, on an efficiency ratio of 75.7%, the highest in the cohort. Five years ago it was 0.94%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.
Commercial real estate against capital
| Extraco Banks National Association | Rank | Cohort median | |
|---|---|---|---|
| Total CRE against capital, the 300% screen | 149% | 2nd of 12 | 235% |
| Construction against capital, the 100% screen | 45% | 4th of 12 | 65% |
| Construction and land development, share of loans | 7.7% | 3rd of 12 | 12.1% |
| Non-owner-occupied nonfarm nonresidential, share of loans | 16.8% | 3rd of 12 | 20.6% |
| Total CRE, the guidance definition, share of loans | 25.7% | 2nd of 12 | 40.7% |
| CRE growth over 36 months, the third prong | -8.3% | 2nd of 12 | +20.6% |
Among its peers
| Institution | Assets | ROA | Efficiency | NPA / loans | Net charge-offs | Allowance / loans | Loans / deposits | Equity / assets |
|---|---|---|---|---|---|---|---|---|
| $2.85B | 1.3% | 59.6% | 3.52% | 0.11% | 1.2% | 91.4% | 22.2% | |
| $2.72B | 1.4% | 52.3% | 0.13% | 0.01% | 1.2% | 81.6% | 13.2% | |
| $2.59B | 1.7% | 14.5% | 1.24% | 0.01% | 0.1% | 102.3% | 30.1% | |
| $2.59B | 4.2% | 21.4% | 2.16% | 0.00% | 1.0% | 97.8% | 16.4% | |
| $2.57B | 0.8% | 75.7% | 0.04% | 0.04% | 2.4% | 64.4% | 8.4% | |
| $2.55B | 1.7% | 52.6% | 0.00% | 0.02% | 1.7% | 74.0% | 8.0% | |
| $2.54B | 2.1% | 47.6% | 1.66% | 0.01% | 1.7% | 72.7% | 12.9% | |
| $2.54B | 1.0% | 68.3% | 0.88% | 0.00% | 1.1% | 85.7% | 10.2% | |
| $2.48B | 2.3% | 52.8% | 0.41% | 0.11% | 1.2% | 106.5% | 12.6% | |
| $2.41B | 2.0% | 53.2% | 0.41% | 0.10% | 1.3% | 70.8% | 10.5% | |
| $2.35B | 1.7% | 58.6% | 0.17% | 0.01% | 1.3% | 65.1% | 9.7% | |
| $2.28B | 1.6% | 41.9% | 2.16% | -0.05% | 1.3% | 101.2% | 13.6% |
| Extraco Banks National Association | Cohort median | |||||
|---|---|---|---|---|---|---|
| 2021 | 2026 | Change | 2021 | 2026 | Change | |
| Loans | $1.01B | $1.35B | +34% | $1.01B | $1.81B | +80% |
| Deposits | $1.61B | $2.09B | +30% | $1.51B | $2.14B | +41% |
| NPA / loans | 0.03% | 0.04% | +0.01 pts | 0.26% | 0.64% | +0.39 pts |
| Efficiency | 73.1% | 75.7% | +2.6 pts | 56.3% | 52.7% | -3.7 pts |
| ROA | 0.94% | 0.79% | -0.15 pts | 1.39% | 1.67% | +0.27 pts |
This read was prepared for Extraco Banks National Association's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.
The full pack on Extraco Banks National Association is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.
Ask for the packPrepared 7 September 2026
Filing 30 June 2026
Cohort TX banks $1B to $3B
Institution www.extracobanks.com
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