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 4 points (77 → 81), mostly because the earnings component improved by 12 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 Texas Bank is an FDIC-insured institution (FDIC certificate #3293). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 38.2% of deposits ($88.7M) 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 10.14%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 23.63% (benchmark: 10%).

Check how much of your own balance is covered

First Texas Bank lists 1 office in 1 city. Most locations:

• Lampasas, TX (1)

All branch addresses and map

In 2025, First Texas Bank reported 43 home-loan applications under HMDA (LEI 254900LQPR8CYPBIJ478): 31 originated ($9,675,000 total), 7 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 17.9%, 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.

Legal name

First Texas Bank

Former names

The First National Bank of Lampasas

Type

State-chartered bank

FDIC certificate #

3293

RSSD ID

875758

Primary regulator

FDIC

Holding company

First Texas Bcorp Inc

Established

October 2, 1884

Headquarters

501 E 3rd St, Lampasas, TX 76550

Website

www.firsttexasbank.bank

Employees

19