Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · database outage

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

EXTRACO BANKS NATIONAL ASSN

FDIC #5551 · TX · period 20260630

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Total assets1,365,633-0.58% YoY

Total deposits1,060,619-3.33% YoY

Net loans and leases794,902-5.08% YoY

Return on assets1.07%+24.47% YoY

Return on equity11.17%+29.13% YoY

Net interest margin3.21%-1.21% YoY

Peer position

Return on assets19thopportunity · n=902

Return on equity28thopportunity · n=894

Net interest margin10thopportunity · n=902

Equity to assets12thopportunity · n=894

Noncurrent loans93rdstrength · n=887

Liquid assets94thstrength · n=895

Brokered deposits100thstrength · n=890

Loans to deposits91ststrength · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	1,365,633	1,060,619	794,902	1.07	11.17	3.21
2016-06-30	1,369,247	1,069,538	817,502	0.99	10.32	3.25
2016-09-30	1,365,202	1,075,584	816,490	1.02	10.50	3.28
2016-12-31	1,364,695	1,088,320	827,060	0.92	9.43	3.28
2017-03-31	1,373,604	1,097,175	837,425	0.86	8.65	3.25
2017-06-30	1,387,619	1,098,103	861,164	0.89	9.00	3.27
2017-09-30	1,392,604	1,109,268	857,890	0.90	9.07	3.30
2017-12-31	1,405,954	1,129,183	876,063	0.90	9.01	3.30
2018-03-31	1,389,096	1,125,344	868,413	0.86	8.54	3.30
2018-06-30	1,427,818	1,159,602	896,182	0.94	9.37	3.32
2018-09-30	1,417,242	1,160,476	909,219	0.99	9.85	3.40
2018-12-31	1,429,277	1,172,667	922,391	1.06	10.43	3.43
2019-03-31	1,486,901	1,216,989	947,380	0.96	9.45	3.50
2019-06-30	1,496,213	1,230,491	976,322	1.18	11.49	3.54
2019-09-30	1,550,522	1,246,309	975,467	1.19	11.61	3.52
2019-12-31	1,525,058	1,226,656	969,447	1.10	10.64	3.49
2020-03-31	1,541,005	1,235,592	993,417	0.82	7.76	3.39
2020-06-30	1,758,960	1,395,710	1,054,686	0.62	6.05	3.28
2020-09-30	1,787,224	1,425,459	1,018,444	0.64	6.48	3.23
2020-12-31	1,807,691	1,453,642	1,001,120	0.67	6.94	3.14
2021-03-31	1,900,395	1,530,488	989,586	0.97	11.08	2.71
2021-06-30	1,966,602	1,612,781	977,039	0.96	11.10	2.71
2021-09-30	2,006,046	1,706,225	959,710	1.01	11.66	2.64
2021-12-31	2,038,670	1,732,845	963,498	0.90	10.55	2.60
2022-03-31	2,122,726	1,819,601	990,834	0.77	9.56	2.42
2022-06-30	2,087,388	1,785,985	1,028,139	1.29	16.02	2.56
2022-09-30	2,142,340	1,841,517	1,042,658	1.16	14.34	2.70
2022-12-31	2,007,809	1,693,367	1,069,712	0.90	10.92	2.86
2023-03-31	2,170,581	1,795,992	1,092,966	1.04	12.11	3.15
2023-06-30	2,172,270	1,728,368	1,126,730	0.84	9.84	3.03
2023-09-30	2,279,439	1,801,745	1,179,624	0.83	9.83	2.95
2023-12-31	2,332,023	1,861,768	1,205,331	0.78	9.23	2.89
2024-03-31	2,341,105	1,841,752	1,236,307	0.67	8.10	2.62
2024-06-30	2,447,050	1,955,808	1,277,454	0.66	8.06	2.63
2024-09-30	2,421,309	1,950,151	1,270,860	0.73	8.94	2.70
2024-12-31	2,363,275	1,888,493	1,279,768	0.76	9.31	2.74
2025-03-31	2,475,618	1,989,557	1,296,057	0.69	8.46	2.78
2025-06-30	2,475,352	1,998,520	1,303,251	0.82	10.14	2.79
2025-09-30	2,524,518	2,033,786	1,315,302	0.79	9.83	2.79
2025-12-31	2,476,407	2,012,452	1,301,528	0.89	11.03	2.80
2026-03-31	2,495,690	2,029,341	1,303,179	0.81	9.53	2.82
2026-06-30	2,574,832	2,094,293	1,316,643	0.78	9.27	2.82

Structure and branch footprint

16 current branch locations across 1 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2008-01-02	1	1946495	537560
2006-10-13	1	2584018	537560
2006-10-12	1	2989378	537560
2006-05-01	1	2896355	537560
2002-12-03	1	1819049	537560
2000-03-31	1	520656	537560
1999-06-25	1	818250	537560
1999-06-25	1	543561	537560
1999-05-22	1	279963	537560
1991-11-01	1	182465	537560
1989-08-18	50	745356	537560
1988-12-02	50	290856	537560

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.