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Texas Exchange Bank

Crowley, TX · Cert 20099 · Peer group: banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (n=20) · Teb Trust

State charter, non-member · FDIC · 2 branches

Q2 2026

$4.5BAssets
$693.2MLoans
$2.6BDeposits
$368.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 4 of 20).
  • Widest gap: net interest margin trails 100% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 20 of 20).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.33%

Rank 18 of 20

Net Interest Margin

1.99%

Rank 20 of 20

Efficiency Ratio

95.17%

Rank 19 of 20

Equity / Assets

8.21%

Rank 18 of 20

Non-interest income vs. expense

$137.8M$189.9MINCOMEEXPENSE
Unfavorable gap of $52.1M · efficiency ratio beats 10% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area
Bank 95.17%Peer median 65.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.33%0.68%1.15%1.86%Beats 10%18 / 20
Return on Equity4.02%7.45%10.95%14.25%Beats 10%18 / 20
Net Interest Margin1.99%2.87%3.58%4.28%Beats 0%20 / 20
Efficiency Ratio95.17%52.33%65.48%74.79%Beats 10%19 / 20
Asset Quality
Nonperforming Loans / Loans0.00%0.18%0.42%1.54%Beats 100%4 / 20
Net Charge-Offs / Loans0.00%0.00%0.02%0.14%Beats 100%4 / 20
Capital
Tier 1 Capital Ratio30.06%13.35%15.71%17.39%Beats 90%2 / 20
Total Risk-Based Capital Ratio30.82%14.55%16.02%18.64%Beats 90%2 / 20
Equity / Assets8.21%9.74%11.64%13.21%Beats 10%18 / 20
Liquidity & Funding
Loans / Deposits26.23%72.63%81.14%96.60%0th pctl20 / 20
Loans / Assets15.44%60.26%69.54%79.68%5th pctl19 / 20
Brokered Deposits / Depositsn/aNot reported for this institution