Extraco Banks - Who We Are

In today's fast-paced world, finding a bank that truly cares about its customers and community can be a daunting task. However, with its rich history and commitment to excellence, Extraco Banks stands out from other community banks. For more than a century, Extraco Banks has emerged as a sound and customer-centric financial partner, committed to delivering exceptional services while fostering the growth and well-being of its customers and communities.

Why choose Extraco?

When it comes to banking, trust and reliability are crucial. Extraco Banks embodies these values and goes above and beyond to deliver exceptional service to its customers. We understand that no two customers are the same and strive to provide our clients with the utmost care, personalized attention, and financial expertise needed to achieve their goals. Our legacy of trust and reliability is exactly why Extraco Banks is the best choice for any banking need.

• Sound Management – our leadership team is experienced, each having “survived and thrived” through the financial crisis of the 1980s
• Sound Assets – we are a billion-dollar bank; actually, $2 billion and growing
• Sound Capital – with more than $165 million in capital, we have twice the tangible capital ratio of megabanks, 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

The Extraco Difference

So, what specifically sets us apart from other central Texas financial institutions? Our commitment to building meaningful relationships and providing personalized financial solutions. 

While there are numerous financial institutions in the market, we distinguish ourselves through the following key attributes:

• Community Involvement: Through active community involvement and philanthropic initiatives, we strive to make a positive impact on the lives of our customers, businesses, and communities. Just last year, Extraco Banks and its affiliate companies donated almost $1 million in donations and sponsorships
• Local Decision-Making: Our local decision-making process allows for quick responses to customer needs, fostering stronger relationships and creating a sense of trust and reliability
• Technological Innovation: Digital banking platforms, enhanced security measures, innovative payment solutions, advanced ATM and branch Technology, and Fintech partnerships are proof of Extraco Banks’s well-earned place at the forefront of combining banking and technological advancements
• Long-Standing Legacy: With over 120 years of experience in the industry, Extraco’s rich heritage serves as a testament to our ability to navigate market fluctuations while consistently providing a superior customer experience

Soundness and Stability

Our commitment to soundness and stability provides customers with piece of mind and reassurance. Here’s why the bank is recognized for its financial strength: 

1. Strong Capital Position
2. Prudent Risk Management
3. Regulatory Compliance

Extraco Banks’s commitment to maintaining a robust capital base, employing rigorous risk management practices, adhering to strict regulatory standards, and ensuring compliance is a testament to the bank’s dedication to operating ethically while nurturing the trust of our customers.

Extraco Banks is not just another banking institution; it is a beacon of trust, reliability, and community commitment. With its customer-centric approach, technological innovation, and dedication to making a positive impact in Central Texas, Extraco Banks has established itself as a financial partner of choice for individuals and businesses seeking exceptional banking services. With Extraco Banks, you can rest assured your banking needs will be met with unwavering integrity, care, and commitment to excellence. When you bank with Extraco, you bank with the best.