Texas Exchange Bank
Total assets
$4.49B
▲ +42.5% YoY
Deposits
$2.64B
▲ +2.1% YoY
Loans
$683.6M
▼ -23.7% YoY
Offices
2
TEB TRUST
ROA (annualized)
0.43%
peers 1.26%
ROE (annualized)
4.95%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Texas Exchange Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +42.5% | +5.5% | +37.1 pts |
| Deposit growth (YoY) | +2.1% | +5.1% | -3.0 pts |
| Loan growth (YoY) | -23.7% | +5.9% | -29.6 pts |
| ROA | 0.43% | 1.26% | -0.8 pts |
| ROE | 5.0% | 12.2% | -7.2 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
Profile
- Established
- 1970
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- TEB TRUST
- Specialization
- All Other Over 1 Billion
- Address
- 109 N Crowley Rd, Crowley, TX, 76036
- County
- Tarrant
- Metro area
- Dallas-Fort Worth-Arlington, TX
- Offices
- 2
- FDIC cert #
- 20099
- RSSD ID
- 822556
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.49B | $2.64B | $683.6M | $368.9M | $9.4M | 0.43% | 1.48% | 0.00% |
| Q1 2026 | $4.27B | $2.58B | $678.1M | $388.7M | $15.3M | 1.39% | 1.58% | 0.00% |
| Q4 2025 | $4.50B | $2.60B | $942.0M | $385.6M | $31.0M | 0.77% | 2.80% | 0.00% |
| Q3 2025 | $4.64B | $2.73B | $906.6M | $376.2M | $20.3M | 0.69% | 3.00% | 0.00% |
| Q2 2025 | $3.15B | $2.59B | $896.0M | $404.0M | $30.6M | 1.68% | 3.25% | 0.00% |
| Q1 2025 | $3.33B | $2.74B | $972.2M | $393.5M | $21.1M | 2.17% | 3.01% | 0.31% |
| Q4 2024 | $4.43B | $2.73B | $1.17B | $386.7M | $149.3M | 4.10% | 4.53% | 0.34% |
| Q3 2024 | $4.30B | $2.55B | $1.15B | $414.3M | $121.8M | 4.72% | 5.07% | 0.35% |
Loan mix (Q2 2026): real estate $94.2M · commercial $599.0M · consumer $1K · securities $601.6M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Texas Exchange Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.43% | 1.26% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 12.2% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.48% | 3.70% | 1th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.2% | 59.0% | 99th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Texas Exchange Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Texas Exchange Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Texas Exchange Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Texas Exchange Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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