TellerScore

First Texas National Bank (FDIC certificate #3197) is based in Floydada, Texas. Its Q2 2026 call report shows $216.9M in total assets and $195.3M in deposits and 2 offices.

Based on its Q2 2026 filing, First Texas National Bank scores 76/100, which we describe as strong. That is higher than 64% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 151st. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (47/100; 9.69%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Tier 1 leverage ratio: 9.69%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings100/100
Return on assets (annualized): 2.89%
Funding & liquidity52/100
Loans ÷ deposits and uninsured-deposit share: 96.3% · 25.4% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.20%

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 2 points (74 → 76), mostly because the loan quality component improved by 23 points.

TellerScore
687480Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202480
Q4 202468
Q1 202573
Q2 202574
Q3 202577
Q4 202572
Q1 202678
Q2 202676
Tier 1 leverage ratio
5.00%8.30%11.61%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.61%
Q3 202410.92%
Q4 20249.77%
Q1 202510.38%
Q2 202510.84%
Q3 202510.68%
Q4 20259.22%
Q1 20269.88%
Q2 20269.69%
Noncurrent loans
0.00%0.37%0.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.64%
Q3 20240.00%
Q4 20240.70%
Q1 20250.74%
Q2 20250.70%
Q3 20250.47%
Q4 20250.44%
Q1 20260.00%
Q2 20260.00%
Return on assets
1.60%2.24%2.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.94%
Q3 20241.65%
Q4 20241.60%
Q1 20251.84%
Q2 20251.98%
Q3 20252.08%
Q4 20252.14%
Q1 20262.47%
Q2 20262.89%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$216.9M9.69%0.00%2.89%96.3%
Q1 202678$198.0M9.88%0.00%2.47%95.7%
Q4 202572$201.6M9.22%0.44%2.14%87.1%
Q3 202577$185.6M10.68%0.47%2.08%89.7%
Q2 202574$167.9M10.84%0.70%1.98%96.4%
Q1 202573$164.8M10.38%0.74%1.84%91.4%
Q4 202468$181.2M9.77%0.70%1.60%86.9%
Q3 202480$170.7M10.92%0.00%1.65%88.5%
Q2 202478$159.0M11.61%0.64%1.94%89.5%

2,650 peers · $100 million – $1 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 ratio9.69%
25th
Total risk-based capital0.00%
24th
Problem loans0.00%
94th
Net charge-offs0.02%
39th
Return on assets2.89%
97th
Net interest margin5.14%
94th
Efficiency ratio46.3%
89th
Loans to deposits96.3%
14th
Uninsured deposits25.4%
45th
Loan-loss reserves0.84%
13th
Texas ratio3.2%
46th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank of Lake JacksonBank Lake Jackson, TX69 out of 100, Moderate$218.4M11.7%0.00%vs
The Perryton National BankBank Perryton, TX88 out of 100, Very strong$212.7M16.4%0.36%vs
First State Bank of OdemBank Odem, TX95 out of 100, Very strong$212.6M14.4%0.00%vs
The Community BankBank Bridgeport, TX62 out of 100, Moderate$211.8M10.6%1.64%vs
The Citizens National Bank of HillsboroBank Hillsboro, TX82 out of 100, Strong$224.4M12.5%0.28%vs
Sanger BankBank Sanger, TX86 out of 100, Very strong$224.4M16.5%0.51%vs

Deposit insurance

Is my money safe at First Texas National Bank?

Yes. First Texas National Bank is an FDIC-insured institution (FDIC certificate #3197). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.4% of deposits ($49.7M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.69%, 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

2 locations

Branches

First Texas National Bank lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
First Texas National Bank
Former names
The First National Bank of Floydada
Type
National bank
FDIC certificate #
3197
RSSD ID
393252
Primary regulator
OCC
Holding company
Floyd County Bancshares Inc
Established
January 1, 1890
Headquarters
124 S Main St, Floydada, TX 79235
Employees
29

Quick answers

First Texas National Bank: common questions

Is First Texas National Bank FDIC insured?

Yes. First Texas National Bank is an FDIC-insured institution (FDIC certificate #3197). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Texas National Bank's TellerScore?

76 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 National Bank ever failed?

There is no failure record for FDIC certificate #3197 in the FDIC failed bank list.

How many branches does First Texas National Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Floydada

InstitutionScoreAssetsCapitalProblem loansCompare
First State Bank of BurnetBank Burnet, TX86 out of 100, Very strong$325.8M12.5%0.13%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
First United BankBank Dimmitt, TX77 out of 100, Strong$2.4B11.2%0.41%vs
Prosperity BankBank El Campo, TX71 out of 100, Strong$43.9B10.6%0.48%vs
Wells Fargo Bank, National AssociationBank Sioux Falls, SD58 out of 100, Moderate$1.9T8.0%1.04%vs