First Texas Bank
First Texas completed a merger involving an acquired institution in November 2024. First Texas Bank is a community bank chartered in 1898, based in Georgetown, TX. As of Q1 2026, the bank held approximately $1.3B in total assets and $1.2B in deposits. Returns are notably above industry norms: 1.79% ROA, 16.18% ROE, and 3.64% NIM. Regulatory capital is solid — 19.75% CET1 and 20.16% total risk-based capital ratio. Asset quality is pristine — 0.06% NPLs and a 3.50% Texas Ratio. First Texas operates a 11-branch network.
Headquarters Profile
- Address
- 900 S Austin Ave, GEORGETOWN, TX 78626
- County
- Williamson
- Metro Area
- AUSTIN-ROUND ROCK-SAN MARCOS, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 13
- Established
- January 1, 1898
- Branches
- 11 domestic
- Employees (FTE)
- 122
- FDIC Cert
- 11935
- Fed RSSD
- 444350
- Website
- www.firsttexasbank.bank →
- Parent Holding Company
- FIRST TEXAS BANCORP, INC. (RSSD 1100813)
Capital & Liquidity
Inside the full First Texas Bank terminal
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First Texas Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
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Frequently asked about First Texas Bank
What are First Texas Bank's total assets?
As of the Q1 2026 filing, First Texas Bank reported total assets of $1.33 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Texas Bank headquartered?
First Texas Bank is headquartered in GEORGETOWN, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Texas Bank founded?
First Texas Bank was established in 1898, per the FDIC institution directory.
Is First Texas Bank FDIC-insured?
Yes. First Texas Bank is an FDIC-insured commercial bank (FDIC Certificate #11935). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Texas Bank?
First Texas Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Texas Bank's CET1 capital ratio?
First Texas Bank reported a Common Equity Tier 1 (CET1) capital ratio of 19.75% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does First Texas Bank operate?
First Texas Bank operates 11 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is First Texas Bank's Texas Ratio?
First Texas Bank's Texas Ratio is 3.50% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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