Total Assets
$398M
Total balance-sheet footings
FDIC Cert #13599 · Lockhart, Texas · Est. 1934
First Lockhart Bank - FDIC Bank Health Profile
A community-scale look at First Lockhart Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $398M
- Total assets
- C
- Health grade · Fair
- 0.80%
- Return on assets
- 9.5%
- Tier 1 capital
Data updated July 2026
The verdict
First Lockhart Bank earns a PlainBankData health grade of C (56/100), with 9.50% Tier 1 capital, 0.80% ROA, 76% efficiency ratio.
- #2,087
- largest of 4,313 FDIC banks by assets
- 52nd
- percentile by asset size, nationally
- 9.50%
- Tier 1 ratio - below the 10% well-capitalized line
- 29th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How First Lockhart Bank's 56/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Lockhart Bank's composite health score
Tier 1 Capital Ratio (9.50%) 18/40
Return on Assets (ROA) (0.80%) 14/25
Texas Ratio (0.74%) 20/20
Efficiency Ratio (76.17%) 4/15
56 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$358M
Customer-funded liabilities
Net Loans
$300M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Lockhart Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Lockhart Bank's score of 56/100 falls in the highlighted band.
First Lockhart Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Lockhart Bank's $398M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.50% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.50%
Texas Ratio
0.74%
Equity Capital
$37M
Profitability metrics
Return on Assets (ROA)
29th percentile nationally
0.80%
Return on Equity (ROE)
8.75%
Efficiency Ratio
76.17%
What the numbers say about First Lockhart Bank
First Lockhart Bank is an FDIC-insured institution (Certificate #13599) headquartered in Lockhart, Texas, established in 1934. It holds $398M in total assets - 2,087th of 4,313 FDIC-insured banks, $358M in customer deposits, and $300M in net loans. On safety, its Tier 1 capital ratio of 9.50% is below the 10% well-capitalized threshold, and its Texas Ratio of 0.74% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (56/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Texas, First Lockhart Bank ranks 182nd of 350 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$21M
Interest Income
$949K
Non-Interest Income
$12M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Lockhart Bank reports a Texas Ratio of 0.74% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.74% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Texas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Lockhart Bank (FDIC Cert #13599) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Charles Schwab Bank, SSBWestlake | $253.8B | A | 0.94% |
| Frost BankSan Antonio | $53.1B | A | 1.26% |
| Prosperity BankEl Campo | $38.5B | A | 1.44% |
| Texas Capital BankDallas | $31.3B | A | 1.10% |
| Charles Schwab Premier Bank, SSBWestlake | $27.0B | A | 1.47% |
| First Financial BankAbilene | $15.4B | A | 1.64% |
| NexBankDallas | $13.9B | A | 1.17% |
| PlainsCapital BankUniversity Park | $12.7B | B | 1.05% |
Frequently asked questions
What is First Lockhart Bank's health grade?▼
First Lockhart Bank receives a health grade of C (56/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is First Lockhart Bank?▼
First Lockhart Bank holds $398M in total assets and $358M in deposits, ranking 2,087th of 4,313 FDIC-insured banks by asset size. It is headquartered in Lockhart, Texas.
Is my money safe at First Lockhart Bank?▼
Yes, deposits at First Lockhart Bank (Certificate #13599) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Lockhart Bank's Tier 1 Capital Ratio?▼
First Lockhart Bank has a Tier 1 Capital Ratio of 9.50%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for First Lockhart Bank?▼
First Lockhart Bank has a Texas Ratio of 0.74%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Lockhart Bank?▼
First Lockhart Bank has an Efficiency Ratio of 76.17%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Lockhart Bank's profile as a depositor or analyst.
- First Lockhart Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Lockhart Bank against other Texas banks before moving funds. Texas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.