Texas Exchange Bank: how it compares with its peers
Against 36 TX banks with half to twice its assets, Texas Exchange Bank's strongest measure in Q2 2026 is assets per employee ($140.3M vs. a $9.1M peer median). Its weakest relative measure is net interest margin (1.48% vs. 3.86%).
| Measure | Texas Exchange Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.43% | 1.58% | Bottom third Ahead of 6% of peers |
| Net interest margin Annualized net interest income over earning assets. | 1.48% | 3.86% | Bottom third Ahead of 0% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 95.17% | 55.24% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $140.3M | $9.1M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 25.86% | 77.00% | Context |
What it means for lending operations
Its efficiency ratio of 95.17% is above the 55.24% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- International Bank of Commerce Brownsville, TX · $4.56B
- VeraBank, National Association Henderson, TX · $4.58B
- Texas Bank and Trust Company Longview, TX · $4.34B
- First National Bank Texas Killeen, TX · $4.64B
- Inwood National Bank Dallas, TX · $4.26B
- Vantage Bank Texas San Antonio, TX · $5.14B
Questions about Texas Exchange Bank
How big is Texas Exchange Bank?
Texas Exchange Bank, established in 1970, is headquartered in Crowley, TX. It reported $4.49B in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Texas Exchange Bank's return on assets?
0.43% annualized in Q2 2026, against a 1.58% median for 36 TX banks with half to twice its assets, ahead of 6% of them.
What is Texas Exchange Bank's efficiency ratio?
95.17% in Q2 2026: it spent about 95 cents in noninterest expense for each dollar of revenue. The peer median is 55.24%, and lower is better.
Is Texas Exchange Bank growing its loans?
Net loans shrank 23.7% over the year to Q2 2026, while deposits grew 2.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.