Bank · FDIC insured
Extraco Banks
A $2.6B bank headquartered in Temple, TX, with 15 branches in Texas. Best rates: CDs 4.00% and savings 1.00% APY.
Extraco Banks Carrot Score
80
Carrot Score
Higher than 51% of U.S. banks and credit unions
#9 of 18 in Killeen, TX metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Extraco Banks
Extraco Banks is a bank serving Central Texas.
- Headquarters
- 3615 S 31st St, Temple, TX 76502
- FDIC certificate
- 5551 ↗
Branches
15 branches in Texas
Loading map…
Texas
15 branches
Killeen area · 8
- Extraco Banks, National AssociationMain office3615 S 31st St, Temple, TX 76502Directions
- Belton Branch2000 N Main St, Belton, TX 76513Directions
- Copperas Cove Branch1003 E Business 190, Copperas Cove, TX 76522Directions
- Gatesville Branch800 E Main St, Gatesville, TX 76528Directions
- Harker Heights Branch100 W Central Texas Expy, Harker Heights, TX 76548Directions
- Killeen Branch1002 W Central Texas Expy, Killeen, TX 76541Directions
- D/T Temple Branch102 S. 1st Street, Temple, TX 76501Directions
- First National Bank Of Temple-Mobile Branch3615 S 31st St, Temple, TX 76502Directions
Waco area · 3
- Downtown Waco Branch605 S University Parks Dr, Waco, TX 76706Directions
- Midway Branch200 Hewitt Dr, Waco, TX 76712Directions
- Waco/North Valley Mills Branch1700 N Valley Mills Dr, Waco, TX 76710Directions
College Station area · 2
- Bryan Branch2706 S Texas Ave, Bryan, TX 77802Directions
- College Station Branch4189 State Hwy 6 S, College Station, TX 77845Directions
Austin area · 1
- Georgetown Branch1504 Williams Dr, Georgetown, TX 78628Directions
Hamilton area · 1
- Hamilton Branch1208 E Main St, Hamilton, TX 76531Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.67% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.04% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.78% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $64 | $88 | — |
- CapitalLeverage ratio8.67%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.04%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.78%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$64Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Extraco Banks are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.