First Texas Bank (Georgetown, TX)
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Data as of · sourced from FFIEC call reports. How we update
First Texas Bank is an FDIC-insured commercial bank headquartered in Georgetown, TX, established in 1898 (FDIC certificate 11935), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.31B, down 0.5% from Q2 2025, the 75th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 20.48% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11935
- Headquarters
- Georgetown, TX
- Established
- 1898
- Total assets, Q2 2026
- $1.31B
- Assets vs Q2 2025
- -0.5%
- CET1 ratio, Q2 2026
- 20.48%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 114903103
- Holding company
- FIRST TEXAS BANCORP, INC.
- Asset rank in state
- 75th of 346 in Texas
First Texas Bank runs leaner than most banks of its size. It reported $1.3 billion in assets at June 30, 2026. It spends about 40 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). It also pays an average of 0.78% on its deposits and borrowings, about a third the median of 2.01% for banks its size.
Earnings jumped: net income for the quarter was $6.3 million, 38% above the same quarter a year earlier. Delinquency has appeared in its $108 million non-owner-occupied commercial real estate book: 2.47% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, First Texas Bank reported a CET1 capital ratio of 20.48%, a return on assets of 1.96%, a nonperforming-loan ratio of 0.58% and a Texas ratio of 5.75%. The figures come from its call report filed with the FFIEC.
First Texas Bank ranks as the 75th largest of the 346 banks based in Texas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.4% to $1.31B, loans fell 2.1% and deposits fell 1.6%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 28.2% of total loans, ahead of construction and land development loans at 22.0%. Its 11 offices in the FDIC Summary of Deposits are in 8 cities in TX; its Georgetown 3 offices book 47% of its branch deposits. By the capital ratios in its Q2 2026 call report, First Texas Bank meets every capital ratio test for well capitalized.
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
- 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 1, 1898
- Former names
- First Texas Bank Georgetown (2004); Citizens State Bank (1962-1992)
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 128
- Domestic deposits
- $1.16B
- Allowance for credit losses
- $2.9M
- Net charge-offs (YTD)
- $17K
- Average total assets
- $1.29B
- Average total loans
- $579.4M
- Average interest-bearing deposits
- $651.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11935
- Fed RSSD
- 444350
- Website
- www.firsttexasbank.bank →
- Parent Holding Company
- FIRST TEXAS BANCORP, INC. (RSSD 1100813)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First Texas Bank's total assets ranged from $857.6M (Q4 2023) to $1.35B (Q3 2025), 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
$1.31B total assets against $1.32B; $1.17B total liabilities against $1.18B.
$570.6M net loans and leases against $548.5M; $1.16B total deposits against $1.17B.
$585.5M securities against $620.2M; $114.4M cash and balances due against $113.6M.
$14.2M total interest income against $12.6M; $2.3M total interest expense against $2.7M.
$11.9M net interest income against $9.9M.
$1.2M total noninterest income against $1.1M; $5.3M total noninterest expense against $5.2M.
-$82K provision for credit losses against $81K.
$6.3M net income against $4.6M.
1.96% return on assets against 1.41%; 3.83% net interest margin against 3.16%.
20.48% CET1 capital ratio against 19.57%; 11.25% tier 1 leverage ratio against 10.90%.
Inside the full First Texas Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Texas Bank rankings
Its closest position to the top of a national ranking is 200 of 3,606, for efficiency ratio; its furthest is 652 of 980, for uninsured deposits.
Metric pages for First Texas Bank: Efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.16% (Q3 2024) to 2.39% (Q4 2024) and its net interest margin ran from 2.71% (Q3 2024) to 6.08% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.48% | 1.96% | 0.58% | 5.75% | 3.83% |
| Q1 2026 | 19.75% | 1.79% | 0.06% | 3.50% | 3.64% |
| Q4 2025 | 19.45% | 1.80% | 0.06% | 0.25% | 3.63% |
| Q3 2025 | 19.16% | 1.70% | 0.02% | 0.09% | 3.53% |
| Q2 2025 | 19.57% | 1.41% | 1.08% | 4.14% | 3.16% |
| Q1 2025 | 20.29% | 1.29% | 0.02% | 0.09% | 3.01% |
| Q4 2024 | 20.08% | 2.39% | 0.00% | 0.00% | 6.08% |
| Q3 2024 | 19.78% | 1.16% | 0.01% | 0.03% | 2.71% |
Swipe the table sideways to see every column.
Branch Network
View all 11 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 Texas Bank (main office) | Georgetown , TX | 78626 | $296.3M |
| First Texas Bank Branch | Killeen , TX | 76542 | $172.4M |
| Del Webb Branch | Georgetown , TX | 78633 | $165.6M |
| Round Rock Branch | Round Rock , TX | 78664 | $101.4M |
| Belton Branch | Belton , TX | 76513 | $92.4M |
| East Highway Branch | Copperas Cove , TX | 76522 | $86.3M |
| Williams Branch | Georgetown , TX | 78633 | $81.5M |
| Pflugerville Branch | Pflugerville , TX | 78660 | $68.6M |
| Liberty Hill Branch | Liberty Hill , TX | 78642 | $53.4M |
| Cedar Park Branch | Cedar Park , TX | 78613 | $33.4M |
| 8th Street Branch | Killeen , TX | 76541 | $8.3M |
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.
| Date | Category | Event | Source |
|---|---|---|---|
| November 16, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 16, 2024 | Structure Change | Acquired First Texas Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 11, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 9, 2012 | Structure Change | Acquired First Texas Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 99 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 91 applications, 67 loans originated, $22.2M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 5 loans, $767K approved, $153K average. 20.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Texas Bank
What are First Texas Bank's total assets?
As of the Q2 2026 filing, First Texas Bank reported total assets of $1.31 billion in its FFIEC call report.
Where is First Texas Bank headquartered?
It is headquartered in Georgetown, TX, United States.
When was First Texas Bank founded?
It was established in 1898, per the FDIC institution directory.
Is First Texas Bank FDIC-insured?
Yes. It 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.
What is First Texas Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 20.48% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Texas Bank operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Texas Bank's Texas Ratio?
Its Texas Ratio is 5.75% 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.
What was First Texas Bank previously called?
The charter now named First Texas Bank has also operated as First Texas Bank Georgetown (2004), Citizens State Bank (1962-1992), per FDIC structure-change records.
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