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Extraco Banks
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Financial Soundness

Extraco is an independent, family-owned community bank,
with three generations of family management.

Financial soundness is important to us

Unlike investment banks, Extraco accepts and holds deposits for checking and savings accounts from our central Texas friends and neighbors. We are regulated by the Office of the Comptroller of the Currency (OCC), and we pay for FDIC insurance to cover your deposits. Because of our conservative banking history,
Extraco is one of the soundest financial institutions in America today. Here are a few reasons why:

  • Sound Management – our leadership team is experienced, each having “survived and thrived” through the financial crisis of the 1980’s
  • Sound Assets – we are a billion dollar bank; actually, $1.3 billion and growing
  • Sound Capital – with over $150 million in capital, we have twice the tangible capital ratio of mega banks, positioning us well for any economic fluctuation
  • Sound Balance Sheet – our reserves are in the 90th percentile of our peers
  • Sound Choices – we know our customers, and we have a great heritage of conservative business practices to guide us in service to them

BauerFinancial Rating

Extraco's 5-star rating puts us at the top of our league in the banking industry. BauerFinancial is the #1 bank rating system in the U.S. today for financial strength and stability.

Bankrate Safe & Sound Rating1          

The Bankrate Safe & Sound rating is only enjoyed by financial institutions earning three or more stars for strength and stability. Extraco’s 4-star rating means we bring our clients the best financial opportunities available.

¹Extraco Banks was awarded 4 stars in’s Safe & Sound Ratings service for the quarter ended March 31st, 2016.

FDIC Insurance

Want to know how your money is covered at Extraco and other FDIC-insured institutions?
Go to Ask EDIE.

Extraco is an FDIC-insured bank. The Federal Deposit Insurance Corporation (FDIC) is an independent agency of the United States government that protects against the loss of insured deposits if an FDIC-insured bank or savings association fails. FDIC deposit insurance is backed by the full faith and credit of the United States government. Since the FDIC was established in 1934, not one penny of insured funds has ever been lost by a customer of a federally insured bank.

What does this mean for you? Each Extraco depositor is insured to $250,000. There is no need for you to apply for or request FDIC insurance; each depositor is covered automatically.

The FDIC does provide separate insurance coverage for deposits held in different ownership categories such as single accounts, joint accounts, Individual Retirement Accounts (IRAs) and trust accounts. Ask your Relationship Manager how to set up your accounts using these regulations to insure every dollar you entrust to us.