Texas Banks

350 FDIC-insured banks · Average health score 51/100 · 14 failures since 2000

A
25
banks
B
102
banks
C
68
banks
D
70
banks
F
85
banks

Banking in Texas — What the FDIC Data Shows

Texas is home to 350 FDIC-insured banks holding a combined $786.6B in total assets and $678.9B in customer deposits. The average PlainBankData health score across all Texas banks is 51/100, derived from four FDIC Call Report metrics: Tier 1 Capital Ratio, Return on Assets, Texas Ratio, and Efficiency Ratio. The largest institution headquartered in the state is Charles Schwab Bank, SSB of Westlake, with $253.8B in assets and a health grade of B.

Looking at the grade distribution, 127 banks (36%) earn an A or B grade — signaling strong capital ratios and healthy profitability — while 68 sit at Grade C (meeting regulatory minimums with some areas to monitor) and 155 (44%) carry a D or F grade, indicating notable financial weaknesses in one or more of the four scoring pillars. Since 2000, Texas has seen 14 bank failures tracked on the FDIC Failed Bank List. A higher failure count typically correlates with concentrated real-estate lending exposure during the 2008–2010 crisis years.

Not financial advice. These figures are drawn from public FDIC Call Reports and the FDIC Failed Bank List. Health grades are PlainBankData's interpretation of regulatory filings, not official FDIC ratings or endorsements. A lower grade does not mean your money is at risk — every dollar on deposit at any FDIC-insured bank is protected up to $250,000 per depositor, per ownership category, regardless of the institution's financial condition. For decisions about where to hold deposits or business funds, consult a qualified financial professional and verify figures directly at the FDIC's BankFind Suite.

Bank Assets Grade
Charles Schwab Bank, SSB $253.8B B
Frost Bank $53.1B C
Prosperity Bank $38.5B B
Texas Capital Bank $31.3B B
Charles Schwab Premier Bank, SSB $27.0B B
First Financial Bank $15.4B A
NexBank $13.9B B
PlainsCapital Bank $12.7B C
Stellar Bank $10.8B B
Charles Schwab Trust Bank $10.4B A
International Bank of Commerce $9.8B A
Amarillo National Bank $9.6B B
Woodforest National Bank $9.2B C
Southside Bank $8.5B B
Sunflower Bank, National Association $8.5B C
The American National Bank of Texas $6.9B D
TBK BANK, SSB $6.4B D
Broadway National Bank $5.9B B
Third Coast Bank $5.3B B
Vantage Bank Texas $4.9B B
Inwood National Bank $4.5B B
First National Bank Texas $4.5B C
Texas Exchange Bank $4.5B C
City Bank $4.5B B
VeraBank, National Association $4.4B B
International Bank of Commerce $4.4B A
Texas Bank and Trust Company $4.4B B
Monet Bank $3.5B C
Lone Star National Bank $3.3B B
Austin Bank, Texas National Association $3.2B D
WestStar Bank $3.1B B
Jefferson Bank $3.0B C
TIB National Association $3.0B B
Texas Regional Bank $2.9B D
American First National Bank $2.9B A
Susser Bank $2.9B C
Wells Fargo Bank South Central, National Association $2.8B B
West Texas National Bank $2.8B A
American Momentum Bank $2.8B B
State Bank of Texas $2.8B D
Pinnacle Bank $2.7B B
Community National Bank $2.6B A
Extraco Banks, National Association $2.5B C
Cornerstone Capital Bank, SSB $2.5B C
First United Bank $2.5B B
American National Bank & Trust $2.4B C
TexasBank $2.4B B
Texas First Bank $2.4B B
Horizon Bank, SSB $2.3B B
Golden Bank, National Association $2.2B A
Texas Community Bank $2.2B A
Falcon International Bank $2.2B B
Security State Bank & Trust $2.1B D
Citizens National Bank of Texas $2.1B B
North Dallas Bank & Trust Co. $1.9B F
FirstBank Southwest $1.9B C
First State Bank $1.8B C
First State Bank of Uvalde $1.8B D
American Bank of Commerce $1.7B C
Commercial Bank of Texas, National Association $1.6B B
Community National Bank & Trust of Texas $1.6B C
First National Bank of Central Texas $1.6B A
The Moody National Bank $1.6B F
Pegasus Bank $1.5B A
Benchmark Bank $1.5B C
Central National Bank $1.5B B
Rio Bank $1.4B D
Wallis Bank $1.4B B
Southwestern National Bank $1.4B B
Alliance Bank $1.4B C
The City National Bank of Sulphur Springs $1.4B B
Texas Security Bank $1.3B B
Central Bank $1.3B B
First Texas Bank $1.3B A
SouthStar Bank, S.S.B. $1.3B B
Alliance Bank Central Texas $1.2B C
Legend Bank, N.A. $1.2B B
Citizens State Bank $1.2B D
Texas National Bank $1.2B C
Peoples Bank $1.2B B
Dallas Capital Bank, National Association $1.1B F
The First National Bank of Bastrop $1.1B B
United Texas Bank $1.1B F
Pointbank $1.1B B
First Command Bank $1.1B B
R Bank $1.1B C
Frontier Bank of Texas $1.0B D
The First National Bank of McGregor $1.0B C
Tolleson Private Bank $1.0B C
HomeTown Bank, National Association $998M C
The First National Bank of Granbury $993M F
Clear Fork Bank, National Association $984M D
T Bank, National Association $980M B
First National Bank and Trust Company of Weatherford $979M F
Ciera Bank $975M B
Transpecos Banks, SSB $968M F
Texas Heritage National Bank $958M C
Security State Bank $949M F
NewFirst National Bank $944M D
Round Top State Bank $943M F
Texas Bank $936M F
UBank $906M D
Plains State Bank $882M D
The First State Bank $879M D
First Liberty Bank $866M B
Western Bank $845M F
Harmony Bank $838M C
Texas National Bank of Jacksonville $835M B
Bank of the West $830M B
Titan Bank, N.A. $820M A
Citizens 1st Bank $820M B
First Community Bank $779M D
Schertz Bank & Trust $770M D
First State Bank $763M D
Liberty Capital Bank $747M B
Bank of Houston $744M F
Sage Capital Bank, $741M B
Commerce Bank $737M A
Kleberg Bank, N.A. $735M C
Pilgrim Bank $723M C
Texas Gulf Bank, National Association $716M F
Southwest Bank $716M D
First State Bank of Livingston $707M F
American Bank, National Association $700M D
Grandview Bank $690M A
The First National Bank of Sonora $684M D
First Bank $677M B
Colonial Savings, F.A. $675M C
Capital Bank $673M C
American State Bank $673M D
Dominion Bank $662M C
First Community Bank $662M C
Citizens National Bank $660M A
Wellington State Bank $653M C
TXN Bank $650M C
Classic Bank, National Association $648M B
Community Bank & Trust, Waco, Texas $638M C
American Bank, National Association $625M C
The State National Bank of Big Spring $624M D
The First National Bank of East Texas $615M F
Worthington Bank $611M C
First Federal Community Bank, SSB $608M C
SouthTrust Bank, N.A. $594M C
The Falls City National Bank $591M D
First National Bank of Huntsville $589M D
Gulf Capital Bank $589M C
NBT Financial Bank $588M C
The Bank and Trust, S.S.B. $585M B
First Commercial Bank, National Association $559M C
Trinity Bank, N.A. $553M A
The Karnes County National Bank of Karnes City $549M C
First State Bank and Trust Company $542M F
Bank of Texas $526M B
The Brenham National Bank $517M B
International Bank of Commerce $512M B
Citizens Bank $512M C
Texas Republic Bank, National Association $503M B
Fayette Savings Bank, SSB $496M D
State Bank of De Kalb $491M D
Herring Bank $487M C
The First National Bank of Mertzon $487M A
Austin County State Bank $478M D
Citizens State Bank $474M D
Texas Traditions Bank $474M F
Austin Capital Bank SSB $469M C
Maverick Bank $468M D
The Liberty National Bank in Paris $463M F
Citizens State Bank $463M C
First State Bank $459M B
MCBank $456M B
Shelby Savings Bank, SSB $454M B
Texas Champion Bank $453M F
The City National Bank of Colorado City $445M F
The First National Bank of Livingston $442M B
Trinity Capital Bank of Texas $441M F
The Lamesa National Bank $437M A
The First National Bank of Stanton $436M A
Texas State Bank $430M B
Broadstreet Bank S S B $429M F
Farmers State Bank $404M B
The MINT National Bank $402M F
First Lockhart Bank $398M F
Peoples State Bank of Hallettsville $396M F
The Yoakum National Bank $384M F
Lakeside Bank $384M F
First National Bank in Port Lavaca $381M F
Crossroads Bank $381M D
West Texas State Bank $381M D
HomeBank Texas $376M B
Lamar National Bank $376M F
First National Bank of Hereford $375M B
The Commercial National Bank of Brady $374M B
First State Bank $370M D
First State Bank of Texas $369M F
TrustTexas Bank, SSB $368M D
Gilmer National Bank, Gilmer, Texas $365M C
First National Bank of Giddings $357M F
Security State Bank $344M D
The Waggoner National Bank of Vernon $343M D
Texana Bank, National Association $340M C

How to Read the Texas Bank Directory

This page lists every FDIC-insured bank with a primary regulatory address in Texas. Inclusion does not depend on charter type — both state-chartered and nationally-chartered banks appear here when the FDIC institution directory places their headquarters in this state. Branch locations, ATM networks, and credit unions are NOT in scope; this is a headquarters-anchored view. The 350 institutions shown reflect the most recent quarterly FDIC release; counts will change at each refresh as institutions merge, are acquired, or close.

Health Grade Interpretation

Each bank's letter grade (A through F) is computed from four FDIC-reported metrics: Tier 1 capital ratio, return on assets, the Texas Ratio (non-performing assets ÷ tangible capital), and the efficiency ratio. Grades are relative — every quarter we recompute thresholds against the full FDIC universe, so a "B" today may have been an "A" last cycle if the median improved. Across Texas, 127 institutions (36%) currently sit in the A or B band, while 155 (44%) fall in the D or F band. The C cluster — the broad middle — typically captures roughly half of any state's banks and is not a warning signal on its own.

What State Concentration Tells You

Banks register their headquarters in Texas for several distinct reasons: regional community service (the bulk of small community banks), favorable trust law (a handful of states attract large national fiduciary operations), regulatory familiarity, or historic charter inheritance. A high concentration of total assets in a single state — South Dakota, Delaware, and Ohio are well-known examples — usually reflects a few very large institutions choosing the state for tax or regulatory reasons, not breadth of local banking competition. Below the top of the table, the long tail of mid-sized and community banks gives a clearer picture of local market structure.

When Failures Matter

Since 2000, 14 banks headquartered in Texas have failed. Every depositor at those banks was made whole up to the standard FDIC insurance ceiling (currently $250,000 per depositor, per ownership category, per institution). Bank failures cluster around macro events (the 2008-2010 wave, the regional bank stress of 2023) rather than steady attrition, so a clean recent record at the state level does not imply state-level safety — it usually reflects the absence of a triggering shock. The "Under Stress" ranking is more useful for forward-looking comfort than the historical failure count, because it scores current capital and credit-loss capacity.

Sources, Refresh Cadence, and Corrections

Every figure on this page derives from the FDIC Quarterly Banking Profile and the FDIC Institution Directory, both of which are public-domain government datasets. We re-pull the data on the FDIC's schedule (a quarterly release plus monthly institution-directory delta files for merger and closure events). Asset and capital figures are reported as of the most recent quarter-end and lag the calendar by approximately ninety days — this is the FDIC's reporting lag, not ours. If a specific bank record looks wrong (renaming, merger, missing fields), the contact page accepts corrections; we reconcile them against the source feed at the next refresh.

Read our methodology — how this data is sourced, computed, and verified.

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Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial