Texas Exchange Bank
Crowley, Texas · $4.49B in assets · beside the 11 other Texas banks between $3B and $10B
The filing
Texas Exchange Bank is the eighth largest of the 12 Texas banks nearest its size between $3B and $10B, with $4.49B in assets at 30 June 2026. Loans are 26.2% of deposits, the lowest in the cohort against a median of 71.8%, and equity is 8.2% of assets, 10th of 12. Loans grew -23.7% in the year, the slowest in the cohort, and deposits grew 2.1%; the cohort's median loan growth is +2.2%.
Nothing on the book is noncurrent; 0.00% is 30 to 89 days past due, and the allowance is 1.4% of loans, 4th of 12. Commercial real estate is 13.3% of loans, the lowest in the cohort against a median of 38.8%, and 23% of capital, below the 300% screen, with construction at 17% against the 100% screen. CRE has grown +63.0% over 36 months, past the guidance's 50% prong.
Return on assets is 0.61%, 11th of 12 against a median of 1.58%, on an efficiency ratio of 95.2%, the highest in the cohort. Five years ago it was 2.97%. 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
| Texas Exchange Bank | Rank | Cohort median | |
|---|---|---|---|
| Total CRE against capital, the 300% screen | 23% | 1st of 12 | 191% |
| Construction against capital, the 100% screen | 17% | 1st of 12 | 57% |
| Construction and land development, share of loans | 9.8% | 2nd of 12 | 11.1% |
| Non-owner-occupied nonfarm nonresidential, share of loans | 3.4% | 1st of 12 | 22.2% |
| Total CRE, the guidance definition, share of loans | 13.3% | 1st of 12 | 38.8% |
| CRE growth over 36 months, the third prong | +63.0% | 11th of 12 | +16.3% |
Among its peers
| Institution | Assets | ROA | Efficiency | NPA / loans | Net charge-offs | Allowance / loans | Loans / deposits | Equity / assets |
|---|---|---|---|---|---|---|---|---|
| $5.51B | 0.7% | 74.8% | 0.23% | 0.03% | 1.3% | 73.9% | 6.0% | |
| $5.42B | 1.8% | 57.9% | 0.19% | 0.13% | 1.1% | 65.3% | 9.1% | |
| $5.39B | 1.4% | 60.7% | 0.25% | 0.05% | 1.4% | 80.1% | 11.1% | |
| $5.14B | 1.6% | 55.5% | 0.87% | 0.30% | 1.3% | 88.9% | 8.6% | |
| $4.64B | 1.2% | 84.5% | 1.23% | 0.83% | 1.3% | 55.8% | 6.7% | |
| $4.58B | 1.6% | 57.9% | 0.96% | 0.10% | 1.2% | 69.6% | 11.4% | |
| $4.56B | 1.7% | 38.5% | 9.17% | 0.11% | 2.5% | 40.2% | 12.7% | |
| $4.49B | 0.6% | 95.2% | 0.00% | 0.00% | 1.4% | 26.2% | 8.2% | |
| $4.34B | 1.6% | 54.7% | 0.61% | 0.01% | 1.2% | 91.5% | 12.9% | |
| $4.26B | 1.6% | 38.2% | 0.37% | 0.41% | 0.9% | 67.7% | 11.6% | |
| $3.67B | 0.1% | 89.0% | 3.62% | 0.07% | 0.6% | 110.0% | 10.8% | |
| $3.33B | 2.1% | 51.3% | 0.60% | 0.05% | 1.5% | 89.3% | 15.1% |
| Texas Exchange Bank | Cohort median | |||||
|---|---|---|---|---|---|---|
| 2021 | 2026 | Change | 2021 | 2026 | Change | |
| Loans | $862M | $693M | -20% | $1.84B | $2.70B | +47% |
| Deposits | $1.69B | $2.64B | +57% | $3.02B | $3.97B | +31% |
| NPA / loans | 0.00% | 0.00% | +0.00 pts | 0.44% | 0.60% | +0.16 pts |
| Efficiency | 17.5% | 95.2% | +77.6 pts | 63.9% | 57.9% | -6.0 pts |
| ROA | 2.97% | 0.61% | -2.36 pts | 1.31% | 1.58% | +0.26 pts |
This read was prepared for Texas Exchange Bank'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 Texas Exchange Bank 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 $3B to $10B
Institution www.txexbank.com
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