BlastPoint's Banking Scorecard
Extraco Banks, National Association
Community
Specialty: Other
TX
FDIC cert 5551
Temple, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Extraco Banks, National Association has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 42% in Community
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 62% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.5B
+4.8% YoY
-1.9% QoQ
|
+$1.1B |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 14% in tier |
| Total Loans ? |
$1.3B
+1.7% YoY
-1.0% QoQ
|
+$326.1M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
77% |
| Total Deposits ? |
$2.0B
+6.6% YoY
-1.0% QoQ
|
+$847.8M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
85% |
| Return on Assets ? |
0.89%
+16.8% YoY
+13.2% QoQ
|
-0.27% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
31% |
| Net Interest Margin ? |
2.80%
+1.9% YoY
+0.3% QoQ
|
-0.87% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 11% in tier |
| Efficiency Ratio ? |
71.90%
-4.9% YoY
-3.2% QoQ
|
+9.26% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
23% |
| Delinquency Rate ? |
0.05%
-25.5% YoY
-24.3% QoQ
|
-0.58% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 12% in tier |
| Loan-to-Deposit Ratio ? |
64.67%
-4.6% YoY
+0.0% QoQ
|
-18.39% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.87%
-15.0% YoY
-12.1% QoQ
|
-6.18% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
25% |
| Nonperforming Asset Ratio ? |
0.03%
-27.7% YoY
-23.6% QoQ
|
-0.47% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 10% in tier |
| Tier 1 Capital Ratio ? |
15.58%
+6.3% YoY
+3.1% QoQ
|
+5.33% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.84%
+9.9% YoY
+50.2% QoQ
|
+0.10% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
80% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#156 of 371 · Top 42% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.05%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Concerns (1)
NIB Deposit Bleed
decline
#56 of 89 · Bottom 62% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
14.87%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%
88
88th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.63%
87
87th pctile
Loan-to-Deposit Ratio
Current: 64.67% · Tier avg: 83.06%
86
86th pctile
Total Assets
Current: $2.5B · Tier avg: $1.4B
85
85th pctile
Total Deposits
Current: $2.0B · Tier avg: $1.2B
80
80th pctile
Tier 1 Capital Ratio
Current: 15.58% · Tier avg: 10.24%
80
80th pctile
Non-Interest Income / Assets
Current: 0.84% · Tier avg: 0.74%
77
77th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
31
31th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.16%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 14.87% · Tier avg: 21.05%
23
23th pctile
Efficiency Ratio
Current: 71.90% · Tier avg: 62.63%
11
11th pctile
Net Interest Margin
Current: 2.80% · Tier avg: 3.66%
Top Weaknesses
11
11th pctile
Net Interest Margin
Current: 2.80% · Tier avg: 3.66%
23
23th pctile
Efficiency Ratio
Current: 71.90% · Tier avg: 62.63%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 14.87% · Tier avg: 21.05%
31
31th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.16%
77
77th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
80
80th pctile
Non-Interest Income / Assets
Current: 0.84% · Tier avg: 0.74%
80
80th pctile
Tier 1 Capital Ratio
Current: 15.58% · Tier avg: 10.24%
85
85th pctile
Total Deposits
Current: $2.0B · Tier avg: $1.2B
86
86th pctile
Total Assets
Current: $2.5B · Tier avg: $1.4B
87
87th pctile
Loan-to-Deposit Ratio
Current: 64.67% · Tier avg: 83.06%
88
88th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.63%
90
90th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%