First Texas National Bank
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Data as of · sourced from FFIEC call reports. How we update
First Texas National Bank is an FDIC-insured commercial bank headquartered in Floydada, TX, established in 1890 (FDIC certificate 3197), and it is supervised by the OCC. At Q2 2026 it reported total assets of $216.9M, up 29.2% from Q2 2025, the 248th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.69% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3197
- Headquarters
- Floydada, TX
- Established
- 1890
- Total assets, Q2 2026
- $216.9M
- Assets vs Q2 2025
- +29.2%
- Tier 1 leverage ratio, Q2 2026
- 9.69%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 111308358
- Latest call report
- Q2 2026, FFIEC 051 · First Texas National Bank call report
- Holding company
- FLOYD COUNTY BANCSHARES, INC.
- Asset rank in state
- 248th of 346 in Texas
First Texas National Bank is one of the more profitable banks of its size. Its balance sheet stood at $217 million at June 30, 2026, up 29.2% from a year earlier; it is based in Floydada, Texas. It earns about $3.24 a year on every $100 of assets, 2.5 times the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 5.15 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.95 cents). Much of that comes from cost control: it spends about 46 cents to bring in each dollar of revenue.
Earnings jumped: net income for the quarter was $1.7 million, 93% above the same quarter a year earlier. Its $28 million non-owner-occupied commercial real estate book is now fully current, after 5.18% of it was past due or on nonaccrual a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.6 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, First Texas National Bank reported a return on assets of 3.24%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 3.20%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, First Texas National Bank is the 248th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 9.6% to $216.9M, loans rose 10.7% and deposits rose 10.1%. Agricultural production loans made up 31.3% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 20.2%. Its 2 offices in the FDIC Summary of Deposits are in Floydada, TX and Sherman, TX; its Floydada office books 94% of its branch deposits. Judged on its Q2 2026 call report, First Texas National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 124 S Main St, Floydada, TX 79235
- County
- Floyd
- Metro Area
- Plainview, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1890
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 29
- Domestic deposits
- $195.3M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $17K
- Average total assets
- $214.0M
- Average total loans
- $178.8M
- Average interest-bearing deposits
- $137.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3197
- Fed RSSD
- 393252
- Website
- www.firsttexasnb.com →
- Parent Holding Company
- FLOYD COUNTY BANCSHARES, INC. (RSSD 1104941)
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 Texas National 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 Texas National Bank's total assets ranged from $149.2M (Q3 2023) to $216.9M (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
$216.9M total assets against $167.9M; $196.3M total liabilities against $149.8M.
$188.1M net loans and leases against $140.5M; $195.3M total deposits against $145.8M.
$8.8M securities against $13.0M; $11.8M cash and balances due against $7.3M.
$3.7M total interest income against $2.7M; $1.0M total interest expense against $932K.
$2.6M net interest income against $1.8M.
$437K total noninterest income against $234K; $1.4M total noninterest expense against $1.0M.
-$76K provision for credit losses against $113K.
$1.7M net income against $897K.
3.24% return on assets against 2.12%; 5.15% net interest margin against 4.53%.
9.69% tier 1 leverage ratio against 10.84%.
Inside the full First Texas National 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 are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
First Texas National Bank rankings
Its closest position to the top of a national ranking is 54 of 3,611, for ROA; its furthest is 2,867 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.13% (Q3 2024) to 3.24% (Q2 2026) and its net interest margin ran from 3.61% (Q3 2024) to 5.15% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.69% | 3.24% | 0.00% | 3.20% | 5.15% |
| Q1 2026 | 9.88% | 2.45% | 0.00% | 3.31% | 4.92% |
| Q4 2025 | 9.22% | 2.18% | 0.44% | 3.43% | 4.80% |
| Q3 2025 | 10.68% | 2.33% | 0.47% | 3.46% | 4.93% |
| Q2 2025 | 10.84% | 2.12% | 0.70% | 5.08% | 4.53% |
| Q1 2025 | 10.38% | 1.85% | 0.74% | 5.23% | 4.29% |
| Q4 2024 | 9.77% | 1.45% | 0.70% | 5.39% | 4.19% |
| Q3 2024 | 10.92% | 1.13% | 0.00% | 0.00% | 3.61% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 National Bank (main office) | Floydada , TX | 79235 | $182.6M |
| First Texas National Bank Branch | Sherman , TX | 75090 | $12.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 296 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $345K approved, $345K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 National Bank
What are First Texas National Bank's total assets?
As of the Q2 2026 filing, First Texas National Bank reported total assets of $216.9 million in its FFIEC call report.
Where is First Texas National Bank headquartered?
It is headquartered in Floydada, TX, United States.
When was First Texas National Bank founded?
It was established in 1890, per the FDIC institution directory.
Is First Texas National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3197). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Texas National Bank?
First Texas National Bank's primary federal regulator is the OCC.
How many branches does First Texas National Bank operate?
It operates 2 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 National Bank's Texas Ratio?
Its Texas Ratio is 3.20% 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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