TEXAS FIRST BANK

TEXAS CITY, TX | Large | Est. April 23, 1982, midnight | FDIC #23799 | RSSD #473266 | FED
Latest Report: 2025-12-31

TEXAS FIRST BANK is aln large FDIC-insured commercial bank headquartered in TEXAS CITY, TX, established in April 23, 1982, midnight. As of 2025-12-31, the bank reported total assets of $2.4B and total deposits of $2.1B. Profitability stands at 1.68% ROA and 16.60% ROE, with a net interest margin of 4.07%. The bank's CET1 capital ratio is 15.45%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.13% and a Texas Ratio of 0.68%. FDIC Certificate #23799.

Assets

$2.4B

Deposits

$2.1B

Loans

$1.3B

Equity

$241M

Profitability

Return on Assets (ROA) 1.68%
Return on Equity (ROE) 16.60%
Net Interest Margin (NIM) 4.07%
Yield on Assets 5.60%
Cost of Funds 1.58%

Asset Quality

NPL Ratio 0.13%
Net Charge-Off Ratio 0.03%
Texas Ratio 0.68%
NPA Ratio 0.07%
ACL / Loans 1.28%

Capital & Liquidity

CET1 Ratio 15.45%
Tier 1 Capital 15.45%
Total Capital Ratio 16.67%
Leverage Ratio 10.32%
Loan-to-Deposit 63.06%

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