What is First Lockhart Bank's financial health grade?

First Lockhart Bank has a TFS Financial Health Grade of D (score: 65.3/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First Lockhart Bank have?

First Lockhart Bank has 5 branch locations across the United States.

Is First Lockhart Bank FDIC insured?

Yes, First Lockhart Bank is FDIC insured (Certificate #13599).

What are the total assets of First Lockhart Bank?

First Lockhart Bank has total assets of $398.0M as reported in its most recent FDIC filing.

First Lockhart Bank

BankLockhart, Texas

http://www.firstlockhart.com

Total Assets

$398.0M

Total Deposits

$357.7M

Branches

Established

1934

TFS Health Grade

65.3 / 100

Below average financial health

How we grade

First Lockhart Bank is a bank headquartered in Lockhart, Texas, established in 1934. With $398.0M in total assets and 4 branch locations, it has a TFS Financial Health Grade of D (65.3/100).

Capital & Safety

Tier 1 Capital Ratio

9.54%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.10%

Profitability

Return on Assets (ROA)

0.84%(1%)

Return on Equity (ROE)

9.15%(10%)

Net Interest Margin

4.23%

Efficiency Ratio

75.27%(60%)

Lending & Liquidity

Total Loans

$302.8M

Loan-to-Deposit Ratio

83.74%

Net Charge-Off Ratio

0.01%

Growth

Asset Growth (YoY)

-1.92%

Deposit Growth (YoY)

-3.02%

Net Income

$3.3M

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 Lockhart BankHQ	111 S Main St	Lockhart	TX	11
First Lockhart Bank	319 W Slaughter Ln	Austin	TX	11
First Lockhart Bank	800 West Farm To Market 150	Kyle	TX	11
First Lockhart Bank	2507 Hunter Road	San Marcos	TX	11
First Lockhart Bank	316 Avenue E	Shiner	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.