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First Texas Bank
Lampasas, TX · FDIC Certificate #3293 · Chartered 10/0
Total assets
$259.70M
Total deposits
$232.41M
Total equity
$25.44M
Net loans
$92.64M
Branches (offices)
2
Net income (YTD)
$2.37M
Rank: #2,666 of 4,213 U.S. banks by assets · #232 of 346 in Texas. Assets changed 8.6% and deposits 8.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.90% |
| Return on equity | 18.99% |
| Net interest margin (YTD) | 3.71% |
| Equity to assets | 9.80% |
| Tier 1 leverage ratio | 10.14% |
| Uninsured deposits (share of deposits) | 38.2% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.09% |
| Loans to deposits | 39.9% |
| Real estate loans (share of loans) | 89.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $82.48M | 89.0% | |
| Commercial & industrial | $6.23M | 6.7% | |
| Consumer / individual | $2.42M | 2.6% | |
| Construction & development | $5.02M | 5.4% | |
| Agricultural | $2.00M | 2.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $199.71M | $179.71M | $1.24M | $18.32M |
| Jun 2023 | $201.50M | $180.47M | $1.57M | $19.30M |
| Jun 2024 | $210.32M | $187.54M | $1.40M | $20.97M |
| Jun 2025 | $239.13M | $214.41M | $1.86M | $22.90M |
| Jun 2026 | $259.70M | $232.41M | $2.37M | $25.44M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $232.41M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $232.41M.
Similar-sized banks
Community Point Bank ($259.72M) · Community First Bank ($258.87M)
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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