TellerScore

Headquartered in Temple, Texas, Extraco Banks, National Association is a national bank with $2.6B in total assets and $2.1B in deposits as of Q2 2026. It operates 16 offices. Its charter dates back to 1933.

Based on its Q2 2026 filing, Extraco Banks, National Association scores 70/100, which we describe as strong. That is higher than 58% of 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 218th. Its strongest component is problem-loan coverage (100/100; 0.2%), and its lowest is capital cushion (37/100; 8.67%).

TellerScore · Q2 2026

Scorecard

Capital cushion37/100
Tier 1 leverage ratio: 8.67%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.04%
Earnings51/100
Return on assets (annualized): 0.78%
Funding & liquidity93/100
Loans ÷ deposits and uninsured-deposit share: 62.9% · 19.2% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.23%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (68 → 70), mostly because the capital cushion component improved by 5 points.

TellerScore
656870Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202465
Q4 202467
Q1 202567
Q2 202568
Q3 202568
Q4 202570
Q1 202670
Q2 202670
Tier 1 leverage ratio
5.00%6.85%8.70%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.03%
Q3 20247.83%
Q4 20248.20%
Q1 20258.24%
Q2 20258.21%
Q3 20258.34%
Q4 20258.52%
Q1 20268.70%
Q2 20268.67%
Noncurrent loans
0.04%0.07%0.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.10%
Q3 20240.09%
Q4 20240.07%
Q1 20250.09%
Q2 20250.10%
Q3 20250.07%
Q4 20250.05%
Q1 20260.05%
Q2 20260.04%
Return on assets
0.66%0.78%0.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.66%
Q3 20240.73%
Q4 20240.76%
Q1 20250.69%
Q2 20250.82%
Q3 20250.79%
Q4 20250.89%
Q1 20260.81%
Q2 20260.78%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$2.6B8.67%0.04%0.78%62.9%
Q1 202670$2.5B8.70%0.05%0.81%64.2%
Q4 202570$2.5B8.52%0.05%0.89%64.7%
Q3 202568$2.5B8.34%0.07%0.79%64.7%
Q2 202568$2.5B8.21%0.10%0.82%65.2%
Q1 202567$2.5B8.24%0.09%0.69%65.1%
Q4 202467$2.4B8.20%0.07%0.76%67.8%
Q3 202465$2.4B7.83%0.09%0.73%65.2%
Q2 202465$2.4B8.03%0.10%0.66%65.3%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.67%
7th
Total risk-based capital17.14%
83rd
Problem loans0.04%
92nd
Net charge-offs0.04%
46th
Return on assets0.78%
19th
Net interest margin2.82%
10th
Efficiency ratio75.7%
11th
Loans to deposits62.9%
91st
Uninsured deposits19.2%
84th
Loan-loss reserves2.39%
98th
Texas ratio0.2%
93rd

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
State Bank of TexasBank Irving, TX74 out of 100, Strong$2.6B15.7%2.16%vs
Wells Fargo Bank South Central, National AssociationBank Houston, TX80 out of 100, Strong$2.6B29.7%1.24%vs
Horizon Bank, SSBBank Austin, TX72 out of 100, Strong$2.6B9.0%0.00%vs
Community National BankBank Midland, TX70 out of 100, Strong$2.5B12.7%1.66%vs
American National Bank & TrustBank Wichita Falls, TX61 out of 100, Moderate$2.5B10.2%0.88%vs
TexasBankBank Fort Worth, TX80 out of 100, Strong$2.5B12.9%0.41%vs

Deposit insurance

Is my money safe at Extraco Banks, National Association?

Yes. Extraco Banks, National Association is an FDIC-insured institution (FDIC certificate #5551). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.2% of deposits ($401.5M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.67%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.14% (benchmark: 10%).

Check how much of your own balance is covered

16 locations

Branches

Extraco Banks, National Association lists 14 offices in 11 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Extraco Banks, National Association reported 480 home-loan applications under HMDA (LEI 549300F7S6KEMTKK0546): 342 originated ($130,530,000 total), 51 denied, and 87 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Extraco Banks, National Association
Former names
First National Bank of Temple
Type
National bank
FDIC certificate #
5551
RSSD ID
537560
Primary regulator
OCC
Holding company
Extraco Corp
Established
September 20, 1933
Headquarters
3615 S 31st St, Temple, TX 76502
Employees
310

Quick answers

Extraco Banks, National Association: common questions

Is Extraco Banks, National Association FDIC insured?

Yes. Extraco Banks, National Association is an FDIC-insured institution (FDIC certificate #5551). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Extraco Banks, National Association's TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Extraco Banks, National Association ever failed?

There is no failure record for FDIC certificate #5551 in the FDIC failed bank list.

How many branches does Extraco Banks, National Association have?

16 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Temple

InstitutionScoreAssetsCapitalProblem loansCompare
The Buckholts State BankBank Buckholts, TX96 out of 100, Very strong$138.8M17.6%0.02%vs
The First National Bank of MoodyBank Moody, TX92 out of 100, Very strong$54.2M18.3%0.00%vs
Citizens National BankBank Cameron, TX86 out of 100, Very strong$691.8M12.7%0.00%vs
Grandview BankBank Grandview, TX81 out of 100, Strong$729.3M12.4%0.12%vs
First Texas BankBank Georgetown, TX80 out of 100, Strong$1.3B11.2%0.58%vs
Greater Central Texas Federal Credit UnionCredit union Killeen, TX80 out of 100, Strong$34.2M11.3%0.00%vs