TellerScore

Headquartered in Georgetown, Texas, First Texas Bank is a state-chartered bank with $1.3B in total assets and $1.2B in deposits as of Q2 2026. It operates 11 offices. Its charter dates back to 1898.

First Texas Bank has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 90% of its 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 92nd. Earnings contributes the most (94/100, 1.85%); capital cushion contributes the least (62/100, 11.25%).

TellerScore · Q2 2026

Scorecard

Capital cushion62/100
Tier 1 leverage ratio: 11.25%
Loan quality81/100
Noncurrent loans ÷ total loans: 0.58%
Earnings94/100
Return on assets (annualized): 1.85%
Funding & liquidity87/100
Loans ÷ deposits and uninsured-deposit share: 49.2% · 26.6% uninsured
Problem-loan coverage88/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.75%

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.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 9 points (71 → 80), mostly because the earnings component improved by 20 points.

TellerScore
717783Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202478
Q4 202479
Q1 202580
Q2 202571
Q3 202580
Q4 202582
Q1 202683
Q2 202680
Tier 1 leverage ratio
5.00%8.12%11.25%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.50%
Q3 202410.60%
Q4 202410.83%
Q1 202510.96%
Q2 202510.90%
Q3 202510.83%
Q4 202510.92%
Q1 202611.14%
Q2 202611.25%
Noncurrent loans
0.00%0.54%1.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.01%
Q4 20240.00%
Q1 20250.02%
Q2 20251.08%
Q3 20250.02%
Q4 20250.06%
Q1 20260.06%
Q2 20260.58%
Return on assets
1.10%1.48%1.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.10%
Q3 20241.12%
Q4 20241.18%
Q1 20251.28%
Q2 20251.34%
Q3 20251.45%
Q4 20251.54%
Q1 20261.78%
Q2 20261.85%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$1.3B11.25%0.58%1.85%49.2%
Q1 202683$1.3B11.14%0.06%1.78%49.5%
Q4 202582$1.3B10.92%0.06%1.54%51.1%
Q3 202580$1.4B10.83%0.02%1.45%48.1%
Q2 202571$1.3B10.90%1.08%1.34%46.9%
Q1 202580$1.3B10.96%0.02%1.28%45.1%
Q4 202479$1.3B10.83%0.00%1.18%45.5%
Q3 202478$875.3M10.60%0.01%1.12%42.3%
Q2 202478$882.5M10.50%0.00%1.10%41.0%

897 peers · $1 billion – $10 billion

How it compares with peers

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

Capital ratio11.25%
65th
Total risk-based capital20.89%
93rd
Problem loans0.58%
45th
Net charge-offs0.01%
70th
Return on assets1.85%
84th
Net interest margin3.73%
52nd
Efficiency ratio41.1%
91st
Loans to deposits49.2%
96th
Uninsured deposits26.6%
64th
Loan-loss reserves0.50%
4th
Texas ratio5.8%
33rd

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Alliance Bank Central TexasBank Woodway, TX72 out of 100, Strong$1.3B11.8%0.02%vs
Legend Bank, N.A.Bank Bowie, TX82 out of 100, Strong$1.3B10.4%0.12%vs
SouthStar Bank, S.S.B.Bank Moulton, TX77 out of 100, Strong$1.4B13.3%0.62%vs
The City National Bank of Sulphur SpringsBank Sulphur Springs, TX78 out of 100, Strong$1.4B9.8%0.15%vs
Texas Security BankBank Dallas, TX63 out of 100, Moderate$1.4B9.6%0.41%vs
Wallis BankBank Wallis, TX58 out of 100, Moderate$1.4B10.1%1.43%vs

Deposit insurance

Is my money safe at First Texas Bank?

Yes. First Texas Bank is an FDIC-insured institution (FDIC certificate #11935). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.6% of deposits ($308.6M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.25%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.89% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

First Texas Bank lists 11 offices in 8 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Texas Bank reported 91 home-loan applications under HMDA (LEI 5493005QU87D4OE5GZ21): 67 originated ($22,195,000 total), 13 denied, and 9 withdrawn or closed by the applicant. Its denial rate on decided applications was 15.9%, 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.

Identity & history

Profile

Legal name
First Texas Bank
Former names
Citizens State Bank; First Texas Bank Georgetown
Type
State-chartered bank
FDIC certificate #
11935
RSSD ID
444350
Primary regulator
FDIC
Holding company
First Texas Bcorp Inc
Established
January 1, 1898
Headquarters
900 S Austin Ave, Georgetown, TX 78626
Employees
128

Quick answers

First Texas Bank: common questions

Is First Texas Bank FDIC insured?

Yes. First Texas Bank is an FDIC-insured institution (FDIC certificate #11935). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Texas Bank's TellerScore?

80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Texas Bank ever failed?

There is no failure record for FDIC certificate #11935 in the FDIC failed bank list.

How many branches does First Texas Bank have?

11 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Georgetown

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens National BankBank Cameron, TX86 out of 100, Very strong$691.8M12.7%0.00%vs
Pecu Credit UnionCredit union Austin, TX86 out of 100, Very strong$431.4M14.8%0.47%vs
The City National Bank of TaylorBank Taylor, TX82 out of 100, Strong$250.3M12.9%0.38%vs
Round Top State BankBank Round Top, TX80 out of 100, Strong$974.1M11.9%0.36%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
Broadway National BankBank San Antonio, TX79 out of 100, Strong$5.4B10.9%0.19%vs