Texas First Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Texas First Bank, based in Texas City, Texas, reported $2.3 billion in assets at June 30, 2026, down 1.4% from a year earlier. It pays an average of 1.00% on its deposits and borrowings, about half the median of 2.01% for the 895 banks with $1 billion to $10 billion in assets. It also lost 1.6% of its deposits over the year, lower than about three-quarters of banks its size (median 5.1%).
Loans and deposits moved in opposite directions: over the year loans rose 6.3% and deposits fell 1.6%. Paper losses on its bond portfolio are shrinking: unrealized losses of $62 million equal 26% of Tier 1 capital, down from 35% a year earlier.
As of June 30, 2026, Texas First Bank reported a return on assets of 1.73%, a nonperforming-loan ratio of 0.17% and a Texas ratio of 1.00%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 3232 Palmer Hwy, Texas City, TX 77590
- County
- Galveston
- Metro Area
- Houston-Pasadena-The Woodlands, TX
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 23, 1982
- Former names
- First Texas Bank-Texas City (1995)
- Offices
- 28 domestic
- Employees (FTE)
- 273
- Domestic deposits
- $2.06B
- Allowance for credit losses
- $17.6M
- Net charge-offs (YTD)
- $50K
- Average total assets
- $2.38B
- Average total loans
- $1.34B
- Average interest-bearing deposits
- $2.27B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 23, 1982
- FDIC Cert
- 23799
- Fed RSSD
- 473266
- Website
- texasfirst.bank →
- Parent Holding Company
- TEXAS INDEPENDENT BANCSHARES, INC. (RSSD 1103878)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Texas First Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Texas First Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Texas First Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Texas First Bank: Uninsured deposits.
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. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.96% | 1.73% | 0.17% | 1.00% | 4.03% |
| Q1 2026 | 9.51% | 1.58% | 0.17% | 1.00% | 3.84% |
| Q4 2025 | 10.32% | 1.65% | 0.13% | 0.72% | 3.97% |
| Q3 2025 | 10.20% | 1.49% | 0.16% | 0.95% | 3.82% |
| Q2 2025 | 10.01% | 1.53% | 0.10% | 0.57% | 3.59% |
| Q1 2025 | 9.73% | 1.17% | 0.07% | 0.39% | 3.41% |
| Q4 2024 | 9.81% | 1.35% | 0.10% | 0.58% | 3.38% |
| Q3 2024 | 9.64% | 1.13% | 0.04% | 0.24% | 3.30% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 27 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Preferred Bank Branch | Houston , TX | 77079 | $284.6M |
| Texas First Bank (main office) | Texas City , TX | 77590 | $235.7M |
| Texas First Bank (main office) | Galveston , TX | 77551 | $187.4M |
| Santa Fe Branch | Santa Fe , TX | 77510 | $134.7M |
| Rollingbrook Branch | Baytown , TX | 77521 | $124.3M |
| Winnie Branch | Winnie , TX | 77665 | $96.2M |
| Dickinson Branch | Dickinson , TX | 77539 | $85.3M |
| Beaumont West Branch | Beaumont , TX | 77706 | $80.8M |
| League City Branch | League City , TX | 77573 | $75.9M |
| First Texas Bank - Hitchcock Branch | Hitchcock , TX | 77563 | $75.7M |
| Liberty Branch | Liberty , TX | 77575 | $66.3M |
| Kemah Branch | Kemah , TX | 77565 | $66.1M |
| Pirates Beach Branch | Galveston , TX | 77554 | $65.4M |
| Mid County Branch | Port Arthur , TX | 77640 | $63.6M |
| Pearland Branch | Pearland , TX | 77581 | $54.3M |
| Galveston Branch | Galveston , TX | 77550 | $49.3M |
| Crystal Beach Branch | Port Bolivar , TX | 77650 | $48.9M |
| Beechnut Branch | Houston , TX | 77096 | $46.0M |
| West Parkwood Branch | Friendswood , TX | 77546 | $44.5M |
| Pasadena Branch | Pasadena , TX | 77505 | $44.5M |
| Fannett Branch | Fannett , TX | 77705 | $35.7M |
| Woodlands Office | The Woodlands , TX | 77381 | $30.5M |
| Lamarque Branch | La Marque , TX | 77568 | $22.2M |
| Conroe Office | Conroe , TX | 77304 | $21.1M |
| Spring Office | Spring , TX | 77379 | $14.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 5, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 5, 2019 | Structure Change | Acquired Preferred Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2014 | Structure Change | Acquired Hull State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 17, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 17, 2012 | Structure Change | Acquired Texas Coastal Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 21, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 21, 2012 | Structure Change | Acquired Houston Business Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 13, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 13, 2011 | Structure Change | Acquired Texas First Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 25, 2009 | Structure Change | Acquired Texas First Bank - Winnie Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 12, 2008 | Structure Change | Acquired another institution Charter Retained (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 12 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Texas First Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in TX, rank 66 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 80 applications, 56 loans originated, $16.8M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $1.5M approved, $363K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Texas First Bank
What are Texas First Bank's total assets?
As of the Q2 2026 filing, Texas First Bank reported total assets of $2.35 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Texas First Bank headquartered?
Texas First Bank is headquartered in Texas City, TX, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Texas First Bank founded?
Texas First Bank was established in 1982, per the FDIC institution directory.
Is Texas First Bank FDIC-insured?
Yes. Texas First Bank is an FDIC-insured commercial bank (FDIC Certificate #23799). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Texas First Bank?
Texas First Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Texas First Bank operate?
Texas First Bank operates 28 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Texas First Bank's Texas Ratio?
Texas First Bank's Texas Ratio is 1.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Texas First Bank previously called?
The charter now named Texas First Bank has also operated as First Texas Bank-Texas City (1995), per FDIC structure-change records.
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