Texas Exchange Bank
Crowley, TX·RSSD 822556·FDIC 20099·bank:822556·Risk-based ratios where reported
- #25 of 352Total assets in Texas
- Top 7%Total assets in the U.S.
- 2offices
- 32employees
- Top 1%Loan quality vs. peers
- Top 7%Fee income vs. peers
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Texas Exchange Bank
12 of 24 FORFI signals stand out against 271 similar banks, based on FDIC data for the quarter.
Funding pressure buildingWorth a look: Funding FORFI signal 2nd quarter3.50%peers 1.99%+151 bps
Texas Exchange Bank's cost of deposits has not eased the way it has at similar banks, while borrowed funding increased.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 3.50% | 1.99% | +151 bps |
| Borrowings as a share of assets | ||
| 31.4% | 2.2% | +29.2 pp |
With internal data, FORFI would look at: Which depositors repriced or moved balances, which relationships are at risk of migrating, and where exception pricing is concentrated.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. Texas Exchange Bank itself is left out of every peer median and percentile. How signals work
Margin squeezed by funding costsWorth a look: Earnings FORFI signal 2nd quarter1.42%peers 3.73%-231 bps
Texas Exchange Bank's net interest margin lagged similar banks as its cost of deposits failed to fall as quickly.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin | ||
| 1.42% | 3.73% | -231 bps |
| Cost of all deposits | ||
| 3.50% | 1.99% | +151 bps |
With internal data, FORFI would look at: Which relationships and products carry the rates behind the gap, and where pricing has drifted.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. Texas Exchange Bank itself is left out of every peer median and percentile. How signals work
Efficiency ratio rising while the peer median fallsWorth a look: Efficiency 2nd quarter113.5%peers 55.7%+57.8 pp
Texas Exchange Bank's efficiency ratio rose 31.0 percentage points over the past year to 113.5%. Among 264 similar banks, the median fell 2.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 113.5% | 55.7% | +57.8 pp |
| 12-month change | ||
| +31.0 pp | -2.1 pp | +33.2 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. Texas Exchange Bank itself is left out of every peer median and percentile. How signals work
Loans shrinking while the peer median growsNotable: Lending 2nd quarter-23.7%peers +6.2%-29.9 pp
Texas Exchange Bank's loans declined 23.7% over the past year to $693 million. The median among 267 similar banks was +6.2%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| -23.7% | +6.2% | -29.9 pp |
| Loans | ||
| $693 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. Texas Exchange Bank itself is left out of every peer median and percentile. How signals work
Total assets growing faster than peersStrength: Growth+42.5%peers +5.9%+36.6 pp
Texas Exchange Bank's total assets grew 42.5% over the past year to $4.5 billion. The median among 270 similar banks was +5.9%.
| This institution | Peer median | Difference |
|---|---|---|
| Total assets, 12-month growth | ||
| +42.5% | +5.9% | +36.6 pp |
| Total assets | ||
| $4.5 billion | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. Texas Exchange Bank itself is left out of every peer median and percentile. How signals work
7 more observations
- Borrowed funding rising while the peer median holds steadyFunding
- Net interest margin narrowing while the peer median widensEarnings
- Return on assets falling while the peer median risesEarnings
- Deposit costs rising while the peer median fallsFunding
- C&I lending shrinking while the peer median growsLending
- Deposit costs among the highest of similar banksFunding
- Fee and other noninterest income among the highest of similar banksEarnings
Key facts
- Texas Exchange Bank is a bank headquartered in Crowley, Texas. It reported $4.5 billion in total assets for the quarter ended June 30, 2026.
- Deposits totaled $2.6 billion, up 2.1% from a year earlier, and loans totaled $693 million, down 23.7%.
- Its net interest margin was 1.42% and its annualized return on assets was -0.53% for the quarter.
- Its cost of all deposits was 3.50%, compared with a median of 1.99% among 263 similar banks with $3 billion to $10 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Texas Exchange Bank's own data, FORFI would look at: Which depositors repriced or moved balances, which relationships are at risk of migrating, and where exception pricing is concentrated.
Analysis workspaces
Sources and identifiers
- Institution
- Texas Exchange Bank · Bank
- Federal Reserve RSSD
- 822556
- FDIC certificate
- 20099
- Reporting period
- Peer group
- 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. Texas Exchange Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| -$5.82M | — | |
| $38.2M | — | |
| $23.56M | — | |
| $14.63M | — | |
| $23.89M | — | |
| $43.73M | — | |
| $513K | — | |
| $468K | — | |
| -0.53% | -0.53%ROAQ · Quarter | |
| 1.42% | 1.42%NIMYQ · Quarter | |
| 113.52% | 113.52%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.