BanksFIRST LOCKHART BANK

FIRST LOCKHART BANK

LOCKHART, TXSmallEst. Jan. 9, 1934, midnightFDIC #13599RSSD #631150FDIC
Latest · 2025-12-31

FIRST LOCKHART BANK is an 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%. CET1 capital ratio: 9.39%. NPL ratio: 0.09% · Texas Ratio: 2.07%. Operates 4 domestic branches.

Assets
$398M
Deposits
$358M
Loans
$303M
Equity
$37M

Profitability

Return on Assets (ROA)1.05%
Return on Equity (ROE)11.10%
Net Interest Margin4.63%
Yield on Assets6.24%
Cost of Funds1.65%

Asset Quality

NPL Ratio0.09%
Net Charge-Off Ratio0.01%
Texas Ratio2.07%
NPA Ratio0.21%
ACL / Loans1.07%

Capital & Liquidity

CET1 Ratio9.39%
Tier 1 Capital9.39%
Total Capital Ratio9.86%
Leverage Ratio9.54%
Loan-to-Deposit84.64%

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