First Lockhart Bank
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Data as of · sourced from FFIEC call reports. How we update
First Lockhart Bank is an FDIC-insured commercial bank headquartered in Lockhart, TX, established in 1934 (FDIC certificate 13599), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $415.9M, up 9.8% from Q2 2025, the 177th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.34% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 13599
- Headquarters
- Lockhart, TX
- Established
- 1934
- Total assets, Q2 2026
- $415.9M
- Assets vs Q2 2025
- +9.8%
- Tier 1 leverage ratio, Q2 2026
- 9.34%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 114903213
- Holding company
- LOCKHART BANKSHARES, INC.
- Asset rank in state
- 177th of 346 in Texas
First Lockhart Bank leans heavily on commercial real estate. Based in Lockhart, Texas, it had $416 million in assets at June 30, 2026, up 9.8% from a year earlier. It holds commercial real estate loans worth 3.4 times its capital, about triple the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 78 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
Delinquency has appeared in its $83 million non-owner-occupied commercial real estate book: 1.49% of those loans are past due or on nonaccrual, against almost none a year earlier. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.29% of loans from 0.58%. Where it has less room is capital: it funds 9.34% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, First Lockhart Bank reported a return on assets of 0.73%, a nonperforming-loan ratio of 0.29% and a Texas ratio of 3.60%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Lockhart Bank is the 177th largest of the 346 banks headquartered in Texas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.7% to $415.9M, loans rose 3.2% and deposits rose 1.8%. 1-4 family residential loans made up 31.7% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 26.4%. The FDIC Summary of Deposits lists 6 offices for it, in 6 cities in TX; its Lockhart office books 70% of its branch deposits. On its Q2 2026 call report, First Lockhart Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 111 S Main St, Lockhart, TX 78644
- County
- Caldwell
- Metro Area
- Austin-Round Rock-San Marcos, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 9, 1934
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 59
- Domestic deposits
- $375.0M
- Allowance for credit losses
- $3.2M
- Net charge-offs (YTD)
- $42K
- Average total assets
- $410.7M
- Average total loans
- $309.7M
- Average interest-bearing deposits
- $269.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 9, 1934
- FDIC Cert
- 13599
- Fed RSSD
- 631150
- SEC CIK
- 1713779 → filed by LOCKHART BANKSHARES, INC.
- Website
- http://www.firstlockhart.com →
- Parent Holding Company
- LOCKHART BANKSHARES, INC. (RSSD 1995998)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First Lockhart Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First Lockhart Bank's total assets ranged from $374.1M (Q1 2024) to $415.9M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$415.9M total assets against $378.8M; $377.9M total liabilities against $343.1M.
$310.8M net loans and leases against $278.6M; $375.0M total deposits against $340.9M.
$18.3M securities against $34.6M; $64.6M cash and balances due against $45.4M.
$5.8M total interest income against $5.2M; $1.6M total interest expense against $1.4M.
$4.2M net interest income against $3.8M.
$201K total noninterest income against $215K; $3.4M total noninterest expense against $3.1M.
$37K provision for credit losses against $0.
$752K net income against $732K.
0.73% return on assets against 0.76%; 4.37% net interest margin against 4.15%.
9.34% tier 1 leverage ratio against 9.42%.
Inside the full First Lockhart Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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 exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
First Lockhart Bank rankings
Its closest position to the top of a national ranking is 1,681 of 3,640, for Texas Ratio; its furthest is 3,180 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.50% (Q3 2024) to 1.04% (Q3 2025) and its net interest margin ran from 3.62% (Q3 2024) to 4.50% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.34% | 0.73% | 0.29% | 3.60% | 4.37% |
| Q1 2026 | 9.37% | 0.67% | 0.10% | 2.15% | 4.14% |
| Q4 2025 | 9.50% | 0.89% | 0.10% | 2.16% | 4.50% |
| Q3 2025 | 9.71% | 1.04% | 0.10% | 2.20% | 4.45% |
| Q2 2025 | 9.42% | 0.76% | 0.58% | 4.19% | 4.15% |
| Q1 2025 | 9.08% | 0.53% | 0.29% | 2.06% | 3.65% |
| Q4 2024 | 9.07% | 0.70% | 0.23% | 3.41% | 3.68% |
| Q3 2024 | 9.17% | 0.50% | 0.61% | 6.33% | 3.62% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Lockhart Bank (main office) | Lockhart , TX | 78644 | $263.1M |
| San Marcos Banking Center | San Marcos , TX | 78666 | $51.0M |
| Austin Office Branch | Austin , TX | 78748 | $30.9M |
| Kyle Branch | Kyle , TX | 78640 | $25.7M |
| Shiner Branch | Shiner , TX | 77984 | $3.8M |
| New Braunfels Branch | New Braunfels , TX | 78132 | $556K |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action March 5, 2026. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 213 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 64 applications, 48 loans originated, $14.9M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $920K approved, $230K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Lockhart Bank
What are First Lockhart Bank's total assets?
As of the Q2 2026 filing, First Lockhart Bank reported total assets of $415.9 million in its FFIEC call report.
Where is First Lockhart Bank headquartered?
It is headquartered in Lockhart, TX, United States.
When was First Lockhart Bank founded?
It was established in 1934, per the FDIC institution directory.
Is First Lockhart Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13599). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Lockhart Bank?
First Lockhart Bank's primary federal regulator is the FDIC.
How many branches does First Lockhart Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Lockhart Bank's Texas Ratio?
Its Texas Ratio is 3.60% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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