The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 16 points (53 → 69), mostly because the loan quality component improved by 45 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Texas

Yes. First Capital Bank is an FDIC-insured institution (FDIC certificate #3399). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.3% of deposits ($25.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.57%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.97% (benchmark: 10%).

Check how much of your own balance is covered

First Capital Bank lists 2 offices in 2 cities. Most locations:

• Quanah, TX (1)
• Wichita Falls, TX (1)

All branch addresses and map

In 2025, First Capital Bank reported 39 home-loan applications under HMDA (LEI 2549007QTEURUDVZQ980): 34 originated ($7,750,000 total), 4 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

First Capital Bank

Former names

First National Bank in Quanah

Type

State-chartered bank (Fed member)

FDIC certificate #

3399

RSSD ID

919568

Primary regulator

FED

Holding company

Quanah Finl Employee Stk Ownership Plan

Established

January 1, 1907

Headquarters

120 W 3rd St, Quanah, TX 79252

Website

www.fcbqt.com

Employees

25