Bank Safety Analysis
Is Texas First Bank Safe? Texas City, Texas
Based on its Q3 2026 call report, Texas First Bank meets the community bank leverage ratio test for well capitalized, its Texas ratio is 2.01%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Texas First Bank safe?
On its Q3 2026 call report, Texas First Bank's Community Bank Leverage Ratio is 10.29%, above the 8% threshold that makes a community bank well capitalized.
- CET1 ratio (Q3 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q3 2026): 10.29%
- Texas ratio (Q3 2026): 2.01%
- Noncurrent loans ratio (Q3 2026): 0.33%
Texas First Bank is an FDIC-insured commercial bank (FDIC Certificate #23799). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Texas First Bank (FDIC Certificate #23799) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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Texas First Bank passes all 5 scorecard dimensions, but not every risk screen below is clear. 2 risk screens are flagged: commercial real estate to capital and held-to-maturity unrealized loss to equity.
The largest change between Q2 2026 and Q3 2026 was in nonperforming loan ratio (nonaccrual plus 90+ days past due), which rose 0.17 percentage points to 0.33%. Texas First Bank ranks 257th of 345 Texas banks on leverage ratio, in the lower half at 10.29% (Q3 2026). The median for banks in the $1B-10B asset tier is 10.54% on leverage ratio; Texas First Bank reported 10.29% for Q3 2026, nearly level with it.
From Q4 2023 to Q3 2026, Texas First Bank's CET1 ratio ranged between 13.66% (Q2 2024) and 15.45% (Q4 2025) and its Texas ratio ranged between 0.24% (Q3 2024) and 2.10% (Q4 2023). Between Q3 2025 and Q3 2026, Texas First Bank's nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.16% to 0.33%, Texas ratio rose from 0.95% to 2.01% and return on assets rose from 1.49% to 1.65%.
Texas First Bank ranks as the 48th largest of the 345 banks based in Texas, by total assets at Q3 2026. Owner-occupied commercial real estate loans are its largest loan category, $311.4M of $1.35B in total loans on its September 30, 2026 call report. Against the 941 banks with $1B to $10B in assets for Q3 2026, Texas First Bank's community bank leverage ratio of 10.29% is below the 10.54% median, nonperforming loans ratio of 0.33% is below the 0.54% median, Texas ratio of 2.01% is below the 3.95% median, and efficiency ratio of 58.19% is above the 58.15% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Texas First Bank's 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does Texas First Bank score on capital, credit and costs?
Peer cohort: $1B to $10B (896 banks) · Industry averages as of Q3 2026.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 10.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 10.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 0.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 3.95%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 58.15%.
Does Texas First Bank trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | — | Not reported |
| Texas ratio BankRegReports band | 2.01% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.33% | Within range |
| Uninsured deposit share BankRegReports band | 47.23% | Within range |
| Loan-to-deposit ratio BankRegReports band | 66.94% | Within range |
| Commercial real estate to capital BankRegReports band | 230.51% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 24.08% | Flagged |
Capital ratio: last 10 quarters
| Quarter | CET1 (%) |
|---|---|
| Q1 2026 | 13.75% |
| Q4 2025 | 15.45% |
| Q3 2025 | 14.39% |
| Q2 2025 | 14.53% |
| Q1 2025 | 14.03% |
| Q4 2024 | 14.52% |
| Q3 2024 | 13.97% |
| Q2 2024 | 13.66% |
| Q1 2024 | 14.23% |
| Q4 2023 | 14.09% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 2.01% |
| Q2 2026 | 1.00% |
| Q1 2026 | 1.00% |
| Q4 2025 | 0.72% |
| Q3 2025 | 0.95% |
| Q2 2025 | 0.57% |
| Q1 2025 | 0.39% |
| Q4 2024 | 0.58% |
| Q3 2024 | 0.24% |
| Q2 2024 | 1.79% |
| Q1 2024 | 1.71% |
| Q4 2023 | 2.10% |
Loans by type, Q3 2026
- Owner-occupied commercial real estate loans: $311.4M
- Construction and land development loans: $311.0M
- Non-owner-occupied commercial real estate loans: $272.5M
- Commercial and industrial loans: $200.6M
- 1-4 family residential loans: $155.9M
- Loans to states and political subdivisions: $36.5M
- Agricultural production loans: $20.7M
- Loans to nondepository financial institutions: $15.2M
How have Texas First Bank's safety ratios changed?
| Quarter end | Total assets | Leverage (CBLR) | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|
| Sep 30, 2026 | $2.31B | 10.29% | 0.33% | 2.01% | 58.19% |
| Jun 30, 2026 | $2.35B | 9.96% | 0.17% | 1.00% | 56.59% |
| Mar 31, 2026 | $2.38B | 9.51% | 0.17% | 1.00% | 57.59% |
| Dec 31, 2025 | $2.36B | 10.32% | 0.13% | 0.72% | 54.61% |
| Sep 30, 2025 | $2.32B | 10.20% | 0.16% | 0.95% | 59.48% |
| Jun 30, 2025 | $2.38B | 10.01% | 0.10% | 0.57% | 61.29% |
| Mar 31, 2025 | $2.30B | 9.73% | 0.07% | 0.39% | 64.14% |
| Dec 31, 2024 | $2.30B | 9.81% | 0.10% | 0.58% | 59.51% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Texas First Bank FDIC insured?
Yes. Texas First Bank is an FDIC-insured commercial bank (FDIC Certificate #23799). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Texas First Bank well capitalized?
On its Q3 2026 call report, Texas First Bank's Community Bank Leverage Ratio is 10.29%, above the 8% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the Federal Reserve, applies.
What are Texas First Bank's key safety ratios?
For Q3 2026, Texas First Bank reports leverage 10.29%, Texas ratio 2.01%, noncurrent loans 0.33%. Its Texas ratio compares with the 3.95% median for the 941 banks with $1B to $10B in assets.
What happens to my deposits if Texas First Bank fails?
For Q3 2026, Texas First Bank reported $2.02B in total deposits, 47.23% of them estimated as uninsured. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Texas First Bank profile.
How we score this
Texas First Bank elects the community bank leverage ratio, so it reports no risk-based capital ratios. Under Prompt Corrective Action (12 CFR 324.403) and that framework it is well capitalized above 8% from July 1, 2026 (9% before), with a grace band one point below. Banks that do not elect it are graded on the CET1 ratio and the Tier 1 and total capital ratios.
Every ratio Texas First Bank is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 23799) · FFIEC NIC profile (RSSD 473266)
Explore: Full Texas First Bank profile · Other banks in TX · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.