What is Texas First Bank's financial health grade?

Texas First Bank has a TFS Financial Health Grade of C (score: 74.8/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Texas First Bank have?

Texas First Bank has 27 branch locations across the United States.

Is Texas First Bank FDIC insured?

Yes, Texas First Bank is FDIC insured (Certificate #23799).

What are the total assets of Texas First Bank?

Texas First Bank has total assets of $2.4B as reported in its most recent FDIC filing.

Texas First Bank

BankTexas City, Texas

texasfirst.bank

Total Assets

$2.4B

Total Deposits

$2.1B

Branches

Established

1982

TFS Health Grade

74.8 / 100

Average financial health

How we grade

Texas First Bank is a bank headquartered in Texas City, Texas, established in 1982. With $2.4B in total assets and 27 branch locations, it has a TFS Financial Health Grade of C (74.8/100).

Capital & Safety

Tier 1 Capital Ratio

10.32%(8%)

Total Capital Ratio

16.67%(10%)

Non-Performing Loan Ratio

0.13%

Profitability

Return on Assets (ROA)

1.47%(1%)

Return on Equity (ROE)

15.41%(10%)

Net Interest Margin

3.71%

Efficiency Ratio

61.11%(60%)

Lending & Liquidity

Total Loans

$1.3B

Loan-to-Deposit Ratio

62.25%

Net Charge-Off Ratio

0.03%

Growth

Asset Growth (YoY)

+2.40%

Deposit Growth (YoY)

+1.16%

Net Income

$34.4M

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
Texas First BankHQ	3232 Palmer Hwy	Texas City	TX	11
Texas First Bank	2225 E Randol Mill Rd	Arlington	TX	24
Texas First Bank	519 Rollingbrook Dr	Baytown	TX	11
Texas First Bank	6363 Phelan Blvd	Beaumont	TX	11
Texas First Bank	1965 South Loop 336 West	Conroe	TX	11
Texas First Bank	4301 Highway 3	Dickinson	TX	11
Texas First Bank	16831 Highway 124	Fannett	TX	11
Texas First Bank	111 W Parkwood Ave	Friendswood	TX	11
Texas First Bank	13701 Fm 3005 Rd	Galveston	TX	11
Texas First Bank	6501 Stewart Rd	Galveston	TX	11
Texas First Bank	2401 Broadway St	Galveston	TX	11
Texas First Bank	8128 Highway 6	Hitchcock	TX	11
Texas First Bank	4648 Beechnut St	Houston	TX	11
Texas First Bank	11757 Katy Fwy	Houston	TX	11
Texas First Bank	1100 Highway 146	Kemah	TX	11
Texas First Bank	3000 Fm 1764 Rd	La Marque	TX	23
Texas First Bank	407 Oak St	La Marque	TX	11
Texas First Bank	111 Highway 3 S	League City	TX	11
Texas First Bank	1302 North Main Street	Liberty	TX	11
Texas First Bank	6731 Spencer Hwy	Pasadena	TX	11
Texas First Bank	2343 N Main St	Pearland	TX	11
Texas First Bank	10607 Highway 69	Port Arthur	TX	11
Texas First Bank	2385 State Highway 87	Port Bolivar	TX	11
Texas First Bank	12402 Highway 6	Santa Fe	TX	11
Texas First Bank	16522 Stuebner Airline Rd	Spring	TX	11
Texas First Bank	3000 Research Blvd Ste 190	The Woodlands	TX	11
Texas First Bank	210 Highway 124	Winnie	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.