FIRST TEXAS BANK

LAMPASAS, TX | Small | Est. Oct. 2, 1884, midnight | FDIC #3293 | RSSD #875758 | FDIC
Latest Report: 2025-12-31

FIRST TEXAS BANK is asn small FDIC-insured commercial bank headquartered in LAMPASAS, TX, established in Oct. 2, 1884, midnight. As of 2025-12-31, the bank reported total assets of $238M and total deposits of $212M. Profitability stands at 1.85% ROA and 18.41% ROE, with a net interest margin of 3.93%. The bank's CET1 capital ratio is 23.14%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #3293.

Assets

$238M

Deposits

$212M

Loans

$89M

Equity

$24M

Profitability

Return on Assets (ROA) 1.85%
Return on Equity (ROE) 18.41%
Net Interest Margin (NIM) 3.93%
Yield on Assets 4.93%
Cost of Funds 1.02%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.09%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.54%

Capital & Liquidity

CET1 Ratio 23.14%
Tier 1 Capital 23.14%
Total Capital Ratio 23.60%
Leverage Ratio 10.05%
Loan-to-Deposit 42.11%

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