FIRST LOCKHART BANK

LOCKHART, TX | Small | Est. Jan. 9, 1934, midnight | FDIC #13599 | RSSD #631150 | FDIC
Latest Report: 2025-12-31

FIRST LOCKHART BANK is asn small FDIC-insured commercial bank headquartered in LOCKHART, TX, established in Jan. 9, 1934, midnight. As of 2025-12-31, the bank reported total assets of $398M and total deposits of $358M. Profitability stands at 1.05% ROA and 11.10% ROE, with a net interest margin of 4.63%. The bank's CET1 capital ratio is 9.39%. Asset quality metrics show a non-performing loan ratio of 0.09% and a Texas Ratio of 2.07%. FDIC Certificate #13599.

Assets

$398M

Deposits

$358M

Loans

$303M

Equity

$37M

Profitability

Return on Assets (ROA) 1.05%
Return on Equity (ROE) 11.10%
Net Interest Margin (NIM) 4.63%
Yield on Assets 6.24%
Cost of Funds 1.65%

Asset Quality

NPL Ratio 0.09%
Net Charge-Off Ratio 0.01%
Texas Ratio 2.07%
NPA Ratio 0.21%
ACL / Loans 1.07%

Capital & Liquidity

CET1 Ratio 9.39%
Tier 1 Capital 9.39%
Total Capital Ratio 9.86%
Leverage Ratio 9.54%
Loan-to-Deposit 84.64%

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