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.

The score has been essentially flat from Q2 2025 to Q2 2026 (62 → 63).

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 Lockhart Bank is an FDIC-insured institution (FDIC certificate #13599). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 33.0% of deposits ($123.8M) 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 9.34%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

First Lockhart Bank lists 6 offices in 6 cities. Most locations:

• Austin, TX (1)
• Kyle, TX (1)
• Lockhart, TX (1)
• New Braunfels, TX (1)
• San Marcos, TX (1)
• Shiner, TX (1)

All branch addresses and map

In 2025, First Lockhart Bank reported 64 home-loan applications under HMDA (LEI 549300RZIWJWJ035S336): 48 originated ($14,940,000 total), 2 denied, and 12 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.8%, 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 Lockhart Bank

Former names

First-Lockhart National Bank

Type

State-chartered bank

FDIC certificate #

13599

RSSD ID

631150

Primary regulator

FDIC

Holding company

Lockhart Bankshares Inc

Established

January 9, 1934

Headquarters

111 S Main St, Lockhart, TX 78644

Website

www.firstlockhart.com

Employees

59