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First Lockhart Bank
Lockhart, TX · FDIC Certificate #13599 · Chartered 01/0
Total assets
$415.88M
Total deposits
$375.05M
Total equity
$37.97M
Net loans
$310.77M
Branches (offices)
6
Net income (YTD)
$1.43M
Rank: #2,017 of 4,213 U.S. banks by assets · #177 of 346 in Texas. Assets changed 9.8% and deposits 10.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.70% |
| Return on equity | 7.60% |
| Net interest margin (YTD) | 4.30% |
| Equity to assets | 9.13% |
| Tier 1 leverage ratio | 9.34% |
| Uninsured deposits (share of deposits) | 33.0% |
| Noncurrent loans (share of loans) | 0.29% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 82.9% |
| Real estate loans (share of loans) | 98.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $306.66M | 98.7% | |
| Commercial & industrial | $3.93M | 1.3% | |
| Consumer / individual | $3.02M | 1.0% | |
| Construction & development | $35.70M | 11.5% | |
| Agricultural | $331.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $391.73M | $359.92M | $1.31M | $29.52M |
| Jun 2023 | $367.41M | $334.27M | $881.00K | $30.81M |
| Jun 2024 | $383.12M | $347.53M | $887.00K | $33.01M |
| Jun 2025 | $378.76M | $340.85M | $1.26M | $35.65M |
| Jun 2026 | $415.88M | $375.05M | $1.43M | $37.97M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $375.05M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $375.05M.
Similar-sized banks
Bank Of Zachary ($415.99M) · Fleetwood Bank ($415.59M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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