Extraco Banks National Assn Safety Rating
Extraco Banks National Assn's safety rating is grade A, a Bank Health Score of 92/100 built from FDIC call report data. That ranks #591 out of 3,960 FDIC-insured banks nationally (top 15%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Extraco Banks National Assn's best component is liquidity (100/100) and its weakest is profitability (46/100).
This page answers a common banking-safety question: Extraco Banks National Assn Safety Rating. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Extraco Banks National Assn Safety Rating Breakdown
- Overall rating
- Grade A (92/100)
- National rank
- #591 of 3,960
- Tier 1 capital (35%)
- 93/100
- Loan quality (30%)
- 98/100
- Liquidity (25%)
- 100/100
- Profitability (10%)
- 46/100
Source: FDIC Call Report data. The BankHealth safety rating is an editorial composite, not an official regulatory rating.
A grade A rating places Extraco Banks National Assn among the stronger FDIC-insured banks on the composite — strong capital with manageable risk on the other factors. Nationally it ranks in roughly the top 15% of the 3,960 banks we score.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 14.12% | 93/100 |
| Nonperforming Loan Ratio | 0.10% | 98/100 |
| Liquidity Ratio | 44.31% | 100/100 |
| Return on Assets | 0.66% | 46/100 |
| Total Assets | $2.4B | |
How does Extraco Banks National Assn compare?
With a Bank Health Score of 92/100, Extraco Banks National Assn sits 22.0 points above the national average of 70/100 for FDIC-insured banks. Within Texas, where 321 FDIC-insured banks are headquartered, Extraco Banks National Assn ranks above the state average of 74/100 (Grade B).
The bank's Tier 1 capital ratio of 14.12% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.10% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Extraco Banks National Assn's Bank Health Score fell by 1.0 points to 92/100. Tier 1 capital weakened by 0.42 percentage points to 14.12%.
Frequently Asked Questions
Extraco Banks National Assn's safety rating is grade A, a Bank Health Score of 92/100 built from FDIC call report data. That ranks #591 out of 3,960 FDIC-insured banks nationally (top 15%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Extraco Banks National Assn's best component is liquidity (100/100) and its weakest is profitability (46/100).
The BankHealth safety rating converts four FDIC call report metrics into a single 0-100 score and an A-F grade. It weights Tier 1 capital ratio (35%), the inverted nonperforming-loan ratio (30%), liquidity ratio (25%), and return on assets (10%). For Extraco Banks National Assn: Tier 1 capital scores 93/100, loan quality 98/100, liquidity 100/100, and profitability 46/100 — combining to 92/100 (grade A).
Extraco Banks National Assn's Bank Health Score of 92/100 is 18.0 points above the Texas state average of 74/100. 321 FDIC-insured banks are headquartered in Texas.
Yes. Extraco Banks National Assn (FDIC certificate #5551) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Extraco Banks National Assn
Extraco Banks National Assn's safety rating is grade A, a Bank Health Score of 92/100 built from FDIC call report data. That ranks #591 out of 3,960 FDIC-insured banks nationally (top 15%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Extraco Banks National Assn's best component is liquidity (100/100) and its weakest is profitability (46/100).