Texas Exchange Bank (FDIC certificate #20099) is based in Crowley, Texas. Its Q2 2026 call report shows $4.5B in total assets and $2.6B in deposits and 2 offices.
Based on its Q2 2026 filing, Texas Exchange Bank scores 80/100, which we describe as strong. That is higher than 90% of 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 88th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is earnings (37/100; 0.43%).
TellerScore · Q2 2026
Scorecard
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 fell 10 points (90 → 80), mostly because the earnings component weakened by 50 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 83 |
| Q3 2024 | 84 |
| Q4 2024 | 82 |
| Q1 2025 | 83 |
| Q2 2025 | 90 |
| Q3 2025 | 79 |
| Q4 2025 | 81 |
| Q1 2026 | 89 |
| Q2 2026 | 80 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.99% |
| Q3 2024 | 13.57% |
| Q4 2024 | 12.65% |
| Q1 2025 | 12.45% |
| Q2 2025 | 12.39% |
| Q3 2025 | 11.46% |
| Q4 2025 | 12.03% |
| Q1 2026 | 12.83% |
| Q2 2026 | 12.44% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.25% |
| Q3 2024 | 1.29% |
| Q4 2024 | 1.26% |
| Q1 2025 | 1.05% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 4.67% |
| Q3 2024 | 4.72% |
| Q4 2024 | 4.10% |
| Q1 2025 | 2.17% |
| Q2 2025 | 1.68% |
| Q3 2025 | 0.69% |
| Q4 2025 | 0.77% |
| Q1 2026 | 1.39% |
| Q2 2026 | 0.43% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $4.5B | 12.44% | 0.00% | 0.43% | 25.9% |
| Q1 2026 | 89 | $4.3B | 12.83% | 0.00% | 1.39% | 26.3% |
| Q4 2025 | 81 | $4.5B | 12.03% | 0.00% | 0.77% | 36.2% |
| Q3 2025 | 79 | $4.6B | 11.46% | 0.00% | 0.69% | 33.2% |
| Q2 2025 | 90 | $3.2B | 12.39% | 0.00% | 1.68% | 34.6% |
| Q1 2025 | 83 | $3.3B | 12.45% | 1.05% | 2.17% | 35.5% |
| Q4 2024 | 82 | $4.4B | 12.65% | 1.26% | 4.10% | 42.8% |
| Q3 2024 | 84 | $4.3B | 13.57% | 1.29% | 4.72% | 45.2% |
| Q2 2024 | 83 | $3.9B | 12.99% | 1.25% | 4.67% | 49.5% |
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).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| International Bank of CommerceBank Brownsville, TX | 64 out of 100, Moderate | $4.6B | 14.5% | 9.17% | vs |
| VeraBank, National AssociationBank Henderson, TX | 72 out of 100, Strong | $4.6B | 11.0% | 0.96% | vs |
| Texas Bank and Trust CompanyBank Longview, TX | 75 out of 100, Strong | $4.3B | 13.1% | 0.61% | vs |
| First National Bank TexasBank Killeen, TX | 64 out of 100, Moderate | $4.6B | 9.1% | 1.23% | vs |
| Inwood National BankBank Dallas, TX | 74 out of 100, Strong | $4.3B | 10.8% | 0.37% | vs |
| Vantage Bank TexasBank San Antonio, TX | 61 out of 100, Moderate | $5.1B | 9.0% | 0.87% | vs |
Deposit insurance
Is my money safe at Texas Exchange Bank?
Yes. Texas Exchange Bank is an FDIC-insured institution (FDIC certificate #20099). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 1.3% of deposits ($34.3M) 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 12.44%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 30.82% (benchmark: 10%).
2 locations
Branches
Texas Exchange Bank lists 2 offices in 2 cities. Most locations:
- Crowley, TX (1)
- Fort Worth, TX (1)
Identity & history
Profile
- Legal name
- Texas Exchange Bank
- Former names
- Texas Exchange Bank, ssb; The Bank of Crowley
- Type
- State-chartered bank
- FDIC certificate #
- 20099
- RSSD ID
- 822556
- Primary regulator
- FDIC
- Holding company
- Teb Trust
- Established
- January 5, 1970
- Headquarters
- 109 N Crowley Rd, Crowley, TX 76036
- Website
- www.txexbank.com
- Employees
- 32
Quick answers
Texas Exchange Bank: common questions
Is Texas Exchange Bank FDIC insured?
Yes. Texas Exchange Bank is an FDIC-insured institution (FDIC certificate #20099). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Texas Exchange Bank's TellerScore?
80 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 Texas Exchange Bank ever failed?
There is no failure record for FDIC certificate #20099 in the FDIC failed bank list.
How many branches does Texas Exchange Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Crowley
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Fort Worth City Credit UnionCredit union Fort Worth, TX | 93 out of 100, Very strong | $336.8M | 13.1% | 0.03% | vs |
| Light Commerce Credit UnionCredit union Houston, TX | 92 out of 100, Very strong | $5.0M | 26.8% | 0.93% | vs |
| First National Bank of BurlesonBank Burleson, TX | 89 out of 100, Very strong | $250.8M | 12.6% | 0.00% | vs |
| Ben E Keith Company Employees Federal Credit UnionCredit union Fort Worth, TX | 89 out of 100, Very strong | $11.9M | 20.9% | 1.07% | vs |
| Allied Federal Credit UnionCredit union Arlington, TX | 88 out of 100, Very strong | $137.6M | 12.2% | 0.23% | vs |
| American First National BankBank Houston, TX | 87 out of 100, Very strong | $2.9B | 14.4% | 0.42% | vs |