First Texas National Bank

BankFloydada, Texas
www.firsttexasnb.com

Total Assets

$201.6M

Total Deposits

$181.4M

Branches

2

Established

1890

TFS Health Grade

$
C

73.2 / 100

Average financial health

How we grade

First Texas National Bank is a bank headquartered in Floydada, Texas, established in 1890. With $201.6M in total assets and 2 branch locations, it has a TFS Financial Health Grade of C (73.2/100).

Capital & Safety

Tier 1 Capital Ratio
9.22%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.44%

Profitability

Return on Assets (ROA)
2.14%(1%)
Return on Equity (ROE)
21.20%(10%)
Net Interest Margin
4.66%
Efficiency Ratio
53.31%(60%)

Lending & Liquidity

Total Loans
$159.6M
Loan-to-Deposit Ratio
87.14%
Net Charge-Off Ratio
0.00%

Growth

Asset Growth (YoY)
+11.27%
Deposit Growth (YoY)
+11.38%
Net Income
$3.9M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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First Texas National Bank - Bank Review, Ratings & Financial Health | Health Grade: C | TheFinanceSection | TheFinanceSection