Texas First Bank is a state-chartered bank (fed member) headquartered in Texas City, Texas, in business for about 44 years. At the end of Q2 2026 it reported $2.3B in total assets and $2.1B in deposits, with 28 offices.
Based on its Q2 2026 filing, Texas First Bank scores 75/100, which we describe as strong. That is higher than 77% of 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 158th. Its strongest component is problem-loan coverage (98/100; 0.9%), and its lowest is capital cushion (50/100; 9.96%).
TellerScore · Q2 2026
Scorecard
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 (73 → 75), mostly because the earnings component improved by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 70 |
| Q4 2024 | 71 |
| Q1 2025 | 71 |
| Q2 2025 | 73 |
| Q3 2025 | 73 |
| Q4 2025 | 75 |
| Q1 2026 | 72 |
| Q2 2026 | 75 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.63% |
| Q3 2024 | 9.64% |
| Q4 2024 | 9.81% |
| Q1 2025 | 9.73% |
| Q2 2025 | 10.01% |
| Q3 2025 | 10.20% |
| Q4 2025 | 10.32% |
| Q1 2026 | 9.51% |
| Q2 2026 | 9.96% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.28% |
| Q3 2024 | 0.04% |
| Q4 2024 | 0.10% |
| Q1 2025 | 0.07% |
| Q2 2025 | 0.10% |
| Q3 2025 | 0.16% |
| Q4 2025 | 0.13% |
| Q1 2026 | 0.17% |
| Q2 2026 | 0.17% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.96% |
| Q3 2024 | 1.03% |
| Q4 2024 | 1.11% |
| Q1 2025 | 1.19% |
| Q2 2025 | 1.36% |
| Q3 2025 | 1.41% |
| Q4 2025 | 1.47% |
| Q1 2026 | 1.61% |
| Q2 2026 | 1.68% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $2.3B | 9.96% | 0.17% | 1.68% | 64.3% |
| Q1 2026 | 72 | $2.4B | 9.51% | 0.17% | 1.61% | 63.0% |
| Q4 2025 | 75 | $2.4B | 10.32% | 0.13% | 1.47% | 62.3% |
| Q3 2025 | 73 | $2.3B | 10.20% | 0.16% | 1.41% | 65.1% |
| Q2 2025 | 73 | $2.4B | 10.01% | 0.10% | 1.36% | 59.5% |
| Q1 2025 | 71 | $2.3B | 9.73% | 0.07% | 1.19% | 59.6% |
| Q4 2024 | 71 | $2.3B | 9.81% | 0.10% | 1.11% | 60.2% |
| Q3 2024 | 70 | $2.3B | 9.64% | 0.04% | 1.03% | 62.9% |
| Q2 2024 | 67 | $2.2B | 9.63% | 0.28% | 0.96% | 64.5% |
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).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First United BankBank Dimmitt, TX | 77 out of 100, Strong | $2.4B | 11.2% | 0.41% | vs |
| Golden Bank, National AssociationBank Houston, TX | 66 out of 100, Moderate | $2.3B | 13.7% | 2.16% | vs |
| Falcon International BankBank Laredo, TX | 85 out of 100, Very strong | $2.2B | 13.4% | 0.00% | vs |
| TexasBankBank Fort Worth, TX | 80 out of 100, Strong | $2.5B | 12.9% | 0.41% | vs |
| Texas Community BankBank Laredo, TX | 84 out of 100, Strong | $2.2B | 12.8% | 0.20% | vs |
| Citizens National Bank of TexasBank Waxahachie, TX | 70 out of 100, Strong | $2.2B | 12.2% | 1.42% | vs |
Deposit insurance
Is my money safe at Texas First Bank?
Yes. Texas First Bank is an FDIC-insured institution (FDIC certificate #23799). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 48.4% of deposits ($997.0M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.96%, 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%).
28 locations
Branches
Texas First Bank lists 26 offices in 23 cities. Most locations:
- Galveston, TX (3)
- Houston, TX (2)
- Baytown, TX (1)
- Beaumont, TX (1)
- Conroe, TX (1)
- Dickinson, TX (1)
- Fannett, TX (1)
- Friendswood, TX (1)
- Hitchcock, TX (1)
- Kemah, TX (1)
- La Marque, TX (1)
- League City, TX (1)
HMDA 2025
Mortgage lending
In 2025, Texas First Bank reported 80 home-loan applications under HMDA (LEI 5493007WOQE7MEFUB492): 56 originated ($16,800,000 total), 17 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 23.3%, 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
- Texas First Bank
- Former names
- First Texas Bank-Texas City; Gulf National Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 23799
- RSSD ID
- 473266
- Primary regulator
- FED
- Holding company
- Texas Ind Bancshares Inc
- Established
- April 23, 1982
- Headquarters
- 3232 Palmer Hwy, Texas City, TX 77590
- Website
- texasfirst.bank
- Employees
- 273
Quick answers
Texas First Bank: common questions
Is Texas First Bank FDIC insured?
Yes. Texas First Bank is an FDIC-insured institution (FDIC certificate #23799). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Texas First Bank's TellerScore?
75 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 Texas First Bank ever failed?
There is no failure record for FDIC certificate #23799 in the FDIC failed bank list.
How many branches does Texas First Bank have?
28 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Texas City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Local 24 Employees Federal Credit UnionCredit union Pasadena, TX | 98 out of 100, Very strong | $13.6M | 21.0% | 0.26% | vs |
| Ila 1351 Federal Credit UnionCredit union La Porte, TX | 92 out of 100, Very strong | $17.3M | 17.0% | 0.00% | vs |
| City of Deer Park Federal Credit UnionCredit union Deer Park, TX | 92 out of 100, Very strong | $7.3M | 21.7% | 0.01% | vs |
| Ila 28 Federal Credit UnionCredit union Pasadena, TX | 89 out of 100, Very strong | $10.5M | 21.6% | 0.00% | vs |
| Synergy Federal Credit UnionCredit union San Antonio, TX | 86 out of 100, Very strong | $334.2M | 15.8% | 0.29% | vs |
| Lubrizol Employees' Credit UnionCredit union Deer Park, TX | 86 out of 100, Very strong | $51.2M | 18.8% | 0.44% | vs |