Extraco Banks, National Association: how it compares with its peers
Against 55 TX banks with half to twice its assets, Extraco Banks, National Association's strongest measure in Q2 2026 is assets per employee ($8.3M vs. a $9.2M peer median). Its weakest relative measure is return on assets (0.78% vs. 1.59%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.78% | 1.59% | Bottom third Ahead of 7% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.82% | 3.95% | Bottom third Ahead of 7% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 75.67% | 55.49% | Bottom third Ahead of 11% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.3M | $9.2M | Middle third Ahead of 41% of peers |
| Loans to deposits Net loans and leases over total deposits. | 62.87% | 79.52% | Context |
What it means for lending operations
Its efficiency ratio of 75.67% is above the 55.49% 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
- State Bank of Texas Irving, TX · $2.59B
- Wells Fargo Bank South Central, National Association Houston, TX · $2.59B
- Horizon Bank, SSB Austin, TX · $2.55B
- Community National Bank Midland, TX · $2.54B
- American National Bank & Trust Wichita Falls, TX · $2.54B
- TexasBank Fort Worth, TX · $2.48B
Questions about Extraco Banks, National Association
How big is Extraco Banks, National Association?
Extraco Banks, National Association, established in 1933, is headquartered in Temple, TX. It reported $2.57B in total assets in its Q2 2026 FDIC call report and operates 16 offices.
What is Extraco Banks, National Association's return on assets?
0.78% annualized in Q2 2026, against a 1.59% median for 55 TX banks with half to twice its assets, ahead of 7% of them.
What is Extraco Banks, National Association's efficiency ratio?
75.67% in Q2 2026: it spent about 76 cents in noninterest expense for each dollar of revenue. The peer median is 55.49%, and lower is better.
Is Extraco Banks, National Association growing its loans?
Net loans grew 1.0% over the year to Q2 2026, while deposits grew 4.8%.
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.