Texas First Bank
Texas First Bank is an FDIC-insured commercial bank headquartered in Texas City, TX, supervised by the Federal Reserve, with $2.31B in total assets at Q3 2026, down 0.5% from Q3 2025, the 48th largest of 345 banks headquartered in Texas. It was established in 1982 and holds FDIC certificate 23799. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.29% at Q3 2026, above the 8% community bank leverage ratio requirement for being considered well capitalized.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 23799
- Headquarters
- Texas City, TX
- Established
- 1982
- Total assets, Q3 2026
- $2.31B
- Assets vs Q3 2025
- -0.5%
- Tier 1 leverage ratio, Q3 2026
- 10.29%
- Domestic offices
- 28 branches
- Routing number
- 113110256
- Safety and soundness
- Is Texas First Bank safe?
- Latest call report
- Q3 2026, FFIEC 051 · Texas First Bank call report
- Holding company
- TEXAS INDEPENDENT BANCSHARES, INC.
- Asset rank in state
- 48th of 345 in Texas
Texas First Bank, based in Texas City, Texas, reported $2.3 billion in assets at September 30, 2026. It pays an average of 1.18% on its deposits and borrowings, lower than about 9 in 10 of the 887 banks with $1 billion to $10 billion in assets (median 2.05%). It also lost 0.2% of its deposits over the year, lower than about three-quarters of banks its size (median 4.6%).
Its securities portfolio is underwater by $85 million, an amount equal to 35% of Tier 1 capital. Net income for the quarter rose 12% from a year earlier, to $9.8 million. One more trend to watch: problem loans have nearly doubled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.33% of loans, against 0.16% a year earlier.
As of September 30, 2026, Texas First Bank reported a return on assets of 1.65%, a nonperforming-loan ratio of 0.33% and a Texas ratio of 2.01%. The figures come from its call report filed with the FFIEC.
Of the 345 banks headquartered in Texas, Texas First Bank is the 48th largest by total assets at Q3 2026. Quarter on quarter (Q2 2026 to Q3 2026), its total assets fell 1.5% to $2.31B, loans rose 0.8% and deposits fell 1.9%. The largest part of its loan book on September 30, 2026 was owner-occupied commercial real estate loans, at 23.0% of total loans, ahead of construction and land development loans at 23.0%. The FDIC Summary of Deposits lists 27 offices for it, in 23 cities in TX; its Houston 2 offices book 16% of its branch deposits. Judged on its Q3 2026 call report, Texas First Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 3232 Palmer Hwy, Texas City, TX 77590
- County
- Galveston
- Metro Area
- Houston-Pasadena-The Woodlands, TX
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 23, 1982
- Former names
- First Texas Bank-Texas City (1995)
- Domestic offices
- 28 branches
- Employees (FTE)
- 274
- Domestic deposits
- $2.02B
- Allowance for credit losses
- $17.4M
- Net charge-offs (YTD)
- $340K
- Average total assets
- $2.37B
- Average total loans
- $1.35B
- Average interest-bearing deposits
- $1.88B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 23, 1982
- FDIC Cert
- 23799
- Fed RSSD
- 473266
- Website
- texasfirst.bank →
- Parent Holding Company
- TEXAS INDEPENDENT BANCSHARES, INC. (RSSD 1103878)
Profitability
Q3 annualizedAsset Quality
Balance Sheet
Income Statement
Operating & Funding
Watch Texas First Bank: get a note when its numbers change. Free, no card required.
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. As a community bank leverage ratio filer, Texas First Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q4 2023 to Q3 2026, Texas First Bank's total assets ranged from $2.18B (Q4 2023) to $2.38B (Q2 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$2.31B total assets against $2.32B; $2.08B total liabilities against $2.09B.
$1.33B net loans and leases against $1.32B; $2.02B total deposits against $2.02B.
$787.4M securities against $801.8M; $74.0M cash and balances due against $92.7M.
$30.2M total interest income against $29.5M; $7.8M total interest expense against $8.8M.
$22.4M net interest income against $20.7M.
$2.7M total noninterest income against $2.6M; $15.0M total noninterest expense against $14.3M.
$300K provision for credit losses against $325K.
$9.8M net income against $8.8M.
1.65% return on assets against 1.49%; 4.06% net interest margin against 3.82%.
10.29% tier 1 leverage ratio against 10.20%.
Inside the full Texas First 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. The 200% line is a BankRegReports watch band, not a supervisory threshold; the 2006 interagency guidance level is 300%. BankRegReports early-warning band below the 300% guidance.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Texas First Bank rankings
Its closest position to the top of a national ranking is 536 of 4,193, for total assets; its furthest is 2,300 of 3,644, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q3 2026, its return on assets ran from 1.17% (Q1 2025) to 1.73% (Q2 2026) and its net interest margin ran from 3.38% (Q4 2024) to 4.06% (Q3 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 10.29% | 1.65% | 0.33% | 2.01% | 4.06% |
| Q2 2026 | 9.96% | 1.73% | 0.17% | 1.00% | 4.03% |
| Q1 2026 | 9.51% | 1.58% | 0.17% | 1.00% | 3.84% |
| Q4 2025 | 10.32% | 1.65% | 0.13% | 0.72% | 3.97% |
| Q3 2025 | 10.20% | 1.49% | 0.16% | 0.95% | 3.82% |
| Q2 2025 | 10.01% | 1.53% | 0.10% | 0.57% | 3.59% |
| Q1 2025 | 9.73% | 1.17% | 0.07% | 0.39% | 3.41% |
| Q4 2024 | 9.81% | 1.35% | 0.10% | 0.58% | 3.38% |
Swipe the table sideways to see every column.
Branch Network
View all 27 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 |
|---|---|---|---|
| Preferred Bank Branch | Houston , TX | 77079 | $284.6M |
| Texas First Bank (main office) | Texas City , TX | 77590 | $235.7M |
| Texas First Bank (main office) | Galveston , TX | 77551 | $187.4M |
| Santa Fe Branch | Santa Fe , TX | 77510 | $134.7M |
| Rollingbrook Branch | Baytown , TX | 77521 | $124.3M |
| Winnie Branch | Winnie , TX | 77665 | $96.2M |
| Dickinson Branch | Dickinson , TX | 77539 | $85.3M |
| Beaumont West Branch | Beaumont , TX | 77706 | $80.8M |
| League City Branch | League City , TX | 77573 | $75.9M |
| First Texas Bank - Hitchcock Branch | Hitchcock , TX | 77563 | $75.7M |
| Liberty Branch | Liberty , TX | 77575 | $66.3M |
| Kemah Branch | Kemah , TX | 77565 | $66.1M |
| Pirates Beach Branch | Galveston , TX | 77554 | $65.4M |
| Mid County Branch | Port Arthur , TX | 77640 | $63.6M |
| Pearland Branch | Pearland , TX | 77581 | $54.3M |
| Galveston Branch | Galveston , TX | 77550 | $49.3M |
| Crystal Beach Branch | Port Bolivar , TX | 77650 | $48.9M |
| Beechnut Branch | Houston , TX | 77096 | $46.0M |
| West Parkwood Branch | Friendswood , TX | 77546 | $44.5M |
| Pasadena Branch | Pasadena , TX | 77505 | $44.5M |
| Fannett Branch | Fannett , TX | 77705 | $35.7M |
| Woodlands Office | The Woodlands , TX | 77381 | $30.5M |
| Lamarque Branch | La Marque , TX | 77568 | $22.2M |
| Conroe Office | Conroe , TX | 77304 | $21.1M |
| Spring Office | Spring , TX | 77379 | $14.4M |
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 |
|---|---|---|---|
| October 5, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 5, 2019 | Structure Change | Acquired Preferred Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2014 | Structure Change | Acquired Hull State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 17, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 17, 2012 | Structure Change | Acquired Texas Coastal Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 21, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 21, 2012 | Structure Change | Acquired Houston Business Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 13, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 13, 2011 | Structure Change | Acquired Texas First Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 25, 2009 | Structure Change | Acquired Texas First Bank - Winnie Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 12, 2008 | Structure Change | Acquired another institution Charter Retained (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 12 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in TX, rank 66 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 80 applications, 56 loans originated, $16.8M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $1.5M approved, $363K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 Texas First Bank
What are Texas First Bank's total assets?
As of the Q3 2026 filing, Texas First Bank reported total assets of $2.31 billion in its FFIEC call report.
Where is Texas First Bank headquartered?
It is headquartered in Texas City, TX, United States.
When was Texas First Bank founded?
It was established in 1982, per the FDIC institution directory.
Is Texas First Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #23799). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Texas First Bank?
Texas First Bank's primary federal regulator is the Federal Reserve.
How many branches does Texas First Bank operate?
It operates 28 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Texas First Bank's Texas Ratio?
Its Texas Ratio is 2.01% in its Q3 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 nonperforming assets against the bank's capital and reserves.
What was Texas First Bank previously called?
The charter now named Texas First Bank has also operated as First Texas Bank-Texas City (1995), per FDIC structure-change records.
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