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Texas Exchange Bank
Crowley, TX·FDIC Cert #20099·Charter: STATE·Est. 19700105.0·HC: TEB TRUST
Total Assets
$4.5B
Q4 2025
Return on Assets
0.77%
+0.08%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
76.24%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
53
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.77%+0.08
ROE
7.97%+1.04
Efficiency
76.24%-12.46
Equity/Assets
0.00%+0.00
NPL Ratio
0.00%+0.00
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
36.17%+2.94
Charge-offs
2.59%+2.59
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 5.4 | 4.7 | 4.7 | 4.1 | 2.2 | 1.7 | 0.7 | 0.8 |
| ROE | 37.2 | 37.5 | 40.8 | 37.7 | 21.6 | 15.5 | 6.9 | 8.0 |
| Efficiency | 47.2 | 43.5 | 45.4 | 48.7 | 68.7 | 75.0 | 88.7 | 76.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | — | 1.3 | 1.3 | 1.3 | 1.1 | — | — | — |
| Charge-offs | -0.0 | -0.0 | -0.0 | -0.0 | -0.0 | -0.0 | -0.0 | 2.6 |
| Loan/Deposit | 51.6 | 49.5 | 45.2 | 42.8 | 35.5 | 34.6 | 33.2 | 36.2 |
Balance Sheet
Total Assets$4.5B
Total Deposits$2.6B
Total Loans$942.0M
Total Equity$385.6M
Profitability
ROA0.77%
ROE7.97%
Efficiency Ratio76.24%
Net Income$31.0M
Risk & Asset Quality
NPL RatioN/A
Charge-off Rate2.59%
Loan/Deposit36.17%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans