Extraco Banks, National Association
Temple, TX
IDRSSD: 537560
Total Assets
$2.52B
Latest filing
Total Deposits
$2.03B
Latest filing
Net Interest Margin
2.79%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Extraco Banks, National Association
3615 S 31st St
Temple, TX 76502
Full Service - Brick and Mortar
Updated 11/14/2025Established 09/20/1933FDIC Certificate 3773
Branches (15)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Extraco Banks, National Association (Main) | 3615 S 31st St | Temple, TX |
| BELTON BRANCH | 2000 N Main St | Belton, TX |
| HAMILTON BRANCH | 1208 E Main St | Hamilton, TX |
| FIRST NATIONAL BANK OF TEMPLE-MOBILE BRANCH | 3615 S 31st St | Temple, TX |
| MIDWAY BRANCH | 200 Hewitt Dr | Waco, TX |
| COPPERAS COVE BRANCH | 1003 E Business 190 | Copperas Cove, TX |
| WACO/NORTH VALLEY MILLS BRANCH | 1700 N Valley Mills Dr | Waco, TX |
| KILLEEN BRANCH | 1002 W Central Texas Expy | Killeen, TX |
Showing 7 of 15
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 09/20/1933 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 76502 |
| State and County Number | 48027 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 11 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Killeen-Temple, TX |
Operational Info
| Number of Employees | 287 |
| Domestic Offices | 16 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/26/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.extracobanks.com |
| Data Updated | 11/14/2025 |
| CERT | 5551 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.52B |
| Total Deposits | $2.03B |
| Total Liabilities | $2.32B |
| Total Equity Capital | $200.26M |
| Net Income | $4.59M |
| Net Loans and Leases | $1.32B |
| Assets Per Employee ($Millions) | $8.62M |
| Bank Premises and Fixed Assets | $45.17M |
| Cash and Balances due from Depository Institutions | $449.08M |
| Deposits Held in Domestic Offices | $2.03B |
Key Performance Ratios
| Return on Assets (ROA) | 0.73% |
| Return on Equity (ROE) | 9.28% |
| Net Interest Margin | 2.79% |
| Efficiency Ratio | 76.48% |
| Tier 1 Risk-Based Capital Ratio | 15.105% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.933% |
| Earning Assets to total Assets | 94.89% |
Income and Expense
| Total Interest Income | $29.17M |
| Total Noninterest Income | $4.27M |
| Total Interest Expense | $12.63M |
| Total Noninterest Expense | $15.91M |
| Net Interest Income | $16.54M |
| Pre-tax Net Operating Income | $4.44M |
| Provision for Credit Losses | $449.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $145.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $128.50M |
| All Other Liabilities | $16.96M |
| Total Liabilities and Capital | $2.52B |
Securities
| Securities | $682.64M |
| Available-for-sale debt securities | $202.36M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $479.02M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Extraco Banks, National Association?
$2.52B as of the latest filing.
How much are Extraco Banks, National Association's total deposits?
$2.03B in total deposits.
Where is Extraco Banks, National Association located?
Temple, TX.
What is the Net Interest Margin?
2.79%.
How many domestic offices does it operate?
16.
When was it established?
09/20/1933.
What is the Return on Assets (ROA)?
0.73%.
How much are total loans and leases?
$1.32B (latest filing).
What is the total interest income (latest filing)?
$29.17M.