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First Texas Bank
Georgetown, TX · FDIC Certificate #11935 · Chartered 01/0
Total assets
$1.31B
Total deposits
$1.16B
Total equity
$144.72M
Net loans
$570.62M
Branches (offices)
11
Net income (YTD)
$12.15M
Rank: #843 of 4,213 U.S. banks by assets · #75 of 346 in Texas. Assets changed -0.5% and deposits -0.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.85% |
| Return on equity | 16.84% |
| Net interest margin (YTD) | 3.73% |
| Equity to assets | 11.05% |
| Tier 1 leverage ratio | 11.25% |
| Uninsured deposits (share of deposits) | 26.6% |
| Noncurrent loans (share of loans) | 0.58% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 49.2% |
| Real estate loans (share of loans) | 94.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $537.28M | 94.2% | |
| Commercial & industrial | $23.62M | 4.1% | |
| Consumer / individual | $11.92M | 2.1% | |
| Construction & development | $126.03M | 22.1% | |
| Agricultural | $2.01M | 0.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $978.33M | $897.75M | $5.39M | $77.93M |
| Jun 2023 | $923.06M | $798.91M | $5.67M | $86.24M |
| Jun 2024 | $882.47M | $788.75M | $4.82M | $91.15M |
| Jun 2025 | $1.32B | $1.17B | $8.74M | $140.73M |
| Jun 2026 | $1.31B | $1.16B | $12.15M | $144.72M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $1.16B | 11 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.16B.
Similar-sized banks
Webster Five Cents Savings Bank ($1.31B) · Genesee Regional Bank ($1.31B)
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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