IRACE Digital Bank, National Association
Austin, Texas
$26M in total assets, the 4,241st largest of 4,309 US banks and 351st of 352 headquartered in Texas.
- FDIC certificate
- 59366
- Established
- 2024
- Owned by
- No holding company
At a glance
Compared with 41 banks headquartered in Texas with under $100 million in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $26M | 2% | $64M | |
| Loans | $0K | 2% | $24M | |
| Deposits | $0K | 2% | $55M | |
| Return on assets | -38.07% | 2% | 1.04% | |
| Net interest margin | 3.84% | 42% | 3.97% | |
| Efficiency ratio | 1782.9% | 98% | 74.9% | |
| Equity to assets | 86.66% | 95% | 12.88% | |
| Loans to deposits | n/a | n/a | 45% |
Growth
IRACE Digital Bank has filed financial reports for 7 quarters, too few for 5-year growth figures.
Where they operate
0 branches in 0 counties.
Branch history since 2016
No change since 2016. The bank has operated 0 branches throughout, with none opened, acquired, closed or sold.
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|
Deposits by type
| Type | Share | This bank | Peers |
|---|
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | n/a | 0.11% |
| Net charge-offs, annualized | n/a | 0.00% |
| Reserves to loans | n/a | 1.43% |
| Leverage ratio | 80.18% | 13.57% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Texas
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/irace-digital