FIRST TEXAS BANK
FIRST TEXAS BANK is an FDIC-insured commercial bank headquartered in GEORGETOWN, TX, established in 1898. As of , the bank reported total assets of $1.3B and total deposits of $1.1B. Profitability stands at 1.79% ROA and 16.59% ROE, with a net interest margin of 3.62%. CET1 capital ratio: 19.45%, well above regulatory minimums. NPL ratio: 0.06% · Texas Ratio: 0.25%. Operates 11 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
First Texas Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 19.45% | 1.79% | 0.06% | 0.25% | 3.62% |
| 2025-09-30 | 19.16% | 1.67% | 0.02% | 0.09% | 3.52% |
| 2025-06-30 | 19.57% | 1.39% | 1.08% | 4.14% | 3.16% |
| 2025-03-31 | 20.29% | 1.28% | 0.02% | 0.09% | 3.01% |
| 2024-12-31 | 20.08% | 2.86% | 0.00% | 0.00% | 6.51% |
| 2024-09-30 | 19.78% | 1.17% | 0.01% | 0.03% | 2.72% |
| 2024-06-30 | 19.52% | 1.11% | 0.00% | 0.00% | 2.60% |
| 2024-03-31 | 19.75% | 1.09% | 0.00% | 0.00% | 2.63% |
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Frequently asked about FIRST TEXAS BANK
What are First Texas Bank's total assets?
As of the Q4 2025 filing, First Texas Bank reported total assets of $1.30 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Texas Bank headquartered?
First Texas Bank is headquartered in GEORGETOWN, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Texas Bank founded?
First Texas Bank was established in 1898, per the FDIC institution directory.
Is First Texas Bank FDIC-insured?
Yes. First Texas Bank is an FDIC-insured commercial bank (FDIC Certificate #11935). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Texas Bank?
First Texas Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Texas Bank's CET1 capital ratio?
First Texas Bank reported a Common Equity Tier 1 (CET1) capital ratio of 19.45% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does First Texas Bank operate?
First Texas Bank operates 11 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is First Texas Bank's Texas Ratio?
First Texas Bank's Texas Ratio is 0.25% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.