What is First Texas Bank's financial health grade?

First Texas Bank has a TFS Financial Health Grade of C (score: 73.5/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First Texas Bank have?

First Texas Bank has 11 branch locations across the United States.

Is First Texas Bank FDIC insured?

Yes, First Texas Bank is FDIC insured (Certificate #11935).

What are the total assets of First Texas Bank?

First Texas Bank has total assets of $1.3B as reported in its most recent FDIC filing.

First Texas Bank

BankGeorgetown, Texas

www.firsttexasbank.bank

Total Assets

$1.3B

Total Deposits

$1.1B

Branches

Established

1898

TFS Health Grade

73.5 / 100

Average financial health

How we grade

First Texas Bank is a bank headquartered in Georgetown, Texas, established in 1898. With $1.3B in total assets and 11 branch locations, it has a TFS Financial Health Grade of C (73.5/100).

Capital & Safety

Tier 1 Capital Ratio

10.92%(8%)

Total Capital Ratio

19.85%(10%)

Non-Performing Loan Ratio

0.06%

Profitability

Return on Assets (ROA)

1.54%(1%)

Return on Equity (ROE)

14.37%(10%)

Net Interest Margin

3.33%

Efficiency Ratio

44.42%(60%)

Lending & Liquidity

Total Loans

$588.7M

Loan-to-Deposit Ratio

51.09%

Net Charge-Off Ratio

0.00%

Growth

Asset Growth (YoY)

+1.13%

Deposit Growth (YoY)

+0.80%

Net Income

$20.3M

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.

Branch	Address	City	State	Type
First Texas BankHQ	900 S Austin Ave	Georgetown	TX	11
First Texas Bank	300 E 1st Ave	Belton	TX	11
First Texas Bank	1901 Bagdad Rd	Cedar Park	TX	11
First Texas Bank	90 East Highway 190	Copperas Cove	TX	11
First Texas Bank	5321 Williams Dr	Georgetown	TX	11
First Texas Bank	480 Del Webb Blvd	Georgetown	TX	11
First Texas Bank	716 N 8th St	Killeen	TX	11
First Texas Bank	3514 South Ws Young Drive	Killeen	TX	11
First Texas Bank	721 Highway 183	Liberty Hill	TX	11
First Texas Bank	1600 W Pecan St	Pflugerville	TX	11
First Texas Bank	500 Round Rock Ave	Round Rock	TX	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.