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Texas Exchange Bank
Crowley, TX · FDIC Certificate #20099 · Chartered 01/0
Total assets
$4.49B
Total deposits
$2.64B
Total equity
$368.87M
Net loans
$683.59M
Branches (offices)
2
Net income (YTD)
$9.44M
Rank: #307 of 4,213 U.S. banks by assets · #24 of 346 in Texas. Assets changed 42.5% and deposits 2.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.43% |
| Return on equity | 4.95% |
| Net interest margin (YTD) | 1.48% |
| Equity to assets | 8.21% |
| Tier 1 leverage ratio | 12.44% |
| Uninsured deposits (share of deposits) | 1.3% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 25.9% |
| Real estate loans (share of loans) | 13.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $94.23M | 13.8% | |
| Commercial & industrial | $599.01M | 87.6% | |
| Consumer / individual | $1.00K | 0.0% | |
| Construction & development | $68.26M | 10.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.81B | $2.05B | $18.10M | $255.30M |
| Jun 2023 | $2.72B | $2.31B | $57.90M | $304.62M |
| Jun 2024 | $3.91B | $2.41B | $73.54M | $370.41M |
| Jun 2025 | $3.15B | $2.59B | $30.58M | $403.96M |
| Jun 2026 | $4.49B | $2.64B | $9.44M | $368.87M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $2.64B | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.64B.
Similar-sized banks
First State Community Bank ($4.51B) · First Federal Bank ($4.49B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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