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First Texas National Bank
Floydada, TX · FDIC Certificate #3197 · Chartered 01/0
Total assets
$216.95M
Total deposits
$195.29M
Total equity
$20.67M
Net loans
$188.14M
Branches (offices)
2
Net income (YTD)
$2.97M
Rank: #2,880 of 4,213 U.S. banks by assets · #248 of 346 in Texas. Assets changed 29.2% and deposits 33.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.89% |
| Return on equity | 29.89% |
| Net interest margin (YTD) | 5.14% |
| Equity to assets | 9.53% |
| Tier 1 leverage ratio | 9.69% |
| Uninsured deposits (share of deposits) | 25.4% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 96.3% |
| Real estate loans (share of loans) | 58.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $110.06M | 58.5% | |
| Commercial & industrial | $18.28M | 9.7% | |
| Consumer / individual | $2.05M | 1.1% | |
| Construction & development | $27.21M | 14.5% | |
| Agricultural | $59.33M | 31.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $139.67M | $125.38M | $930.00K | $14.25M |
| Jun 2023 | $149.37M | $133.41M | $1.04M | $15.42M |
| Jun 2024 | $159.01M | $131.05M | $1.52M | $17.11M |
| Jun 2025 | $167.94M | $145.83M | $1.69M | $18.16M |
| Jun 2026 | $216.95M | $195.29M | $2.97M | $20.67M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $195.29M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $195.29M.
Similar-sized banks
Citizens Bank & Trust Co. Of Jackson ($217.27M) · Crossbridge Community Bank ($216.71M)
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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