State directory · TX

Texas Banks

Every FDIC-insured bank headquartered in Texas, with health grades, capital, and profitability from the quarterly FDIC Call Report.

Compiled from official source data by PlainBankData Editorial
350
FDIC banks
82/100
Avg health score
$786.6B
Total assets
14
Failures since 2000

Data updated July 2026

The state picture

Texas's 350 FDIC banks hold $786.6B in assets and average 82/100 on health - 90% earn an A or B grade.

350
FDIC-insured banks
90%
grade A or B (314 banks)
$253.8B
largest - Charles Schwab Bank, SSB
14
failures since 2000

Figures from public FDIC Call Reports. A lower grade does not mean your money is at risk, deposits are FDIC-insured to $250,000 per depositor, per category, at every bank here.

For context: Texas's average health score of 82/100 is above the 77/100 national average across all FDIC-insured banks PlainBankData tracks.

Health grade distribution

A
228
65% of banks
B
86
25% of banks
C
29
8% of banks
D
6
2% of banks
F
1
0% of banks

Largest banks in Texas

Top 10 Texas banks by total assets
  1. 1
    Charles Schwab Bank, SSB $253.8B

    Westlake, TX · Grade A

  2. 2
    Frost Bank $53.1B

    San Antonio, TX · Grade A

  3. 3
    Prosperity Bank $38.5B

    El Campo, TX · Grade A

  4. 4
    Texas Capital Bank $31.3B

    Dallas, TX · Grade A

  5. 5
    Charles Schwab Premier Bank, SSB $27.0B

    Westlake, TX · Grade A

  6. 6
    First Financial Bank $15.4B

    Abilene, TX · Grade A

  7. 7
    NexBank $13.9B

    Dallas, TX · Grade A

  8. 8
    PlainsCapital Bank $12.7B

    University Park, TX · Grade B

  9. 9
    Stellar Bank $10.8B

    Houston, TX · Grade A

  10. 10
    Charles Schwab Trust Bank $10.4B

    Westlake, TX · Grade A

Top 10 of 350 Texas banks · FDIC Call Report Q4 2025.

Texas banks by health grade

0 50 100 150 200 250 A B C D F 228 86 29 6 1

How Texas compares nationally

Texas ranks #9 of 55 states and territories by average bank health score - better than 85% of them.

States grouped by average health score

All 350 Texas banks · Page 3 of 4

Bank Assets Grade
Columbus State Bank $333M A
Commercial National Bank of Texarkana $328M A
Ozona Bank $327M C
First State Bank of Burnet $323M A
The National Bank of Andrews $322M A
Llano National Bank $319M A
The First National Bank of Hughes Springs $316M A
Global One Bank $315M A
Community Bank $310M A
One World Bank $309M A
Sundown State Bank $308M A
Castroville State Bank $306M A
Citizens National Bank at Brownwood $306M B
Citizens Bank $303M A
ValueBank Texas $302M A
Arrowhead Bank $302M A
Freedom Bank $302M A
Integrity Bank SSB $301M C
The Pecos County State Bank $301M A
The Jacksboro National Bank $295M A
First State Bank $292M A
PrimeBank of Texas $290M A
Charter Bank $290M A
Coleman County State Bank $290M A
Anahuac National Bank $284M B
Interstate Bank $276M D
The First National Bank of Ballinger $274M A
Citizens State Bank $274M A
Incommons Bank, N.A. $271M A
First National Bank of Burleson $269M A
Bank of DeSoto, National Association $266M A
Bridge City State Bank $261M A
Victory Bank $252M B
Spring Hill State Bank $250M A
The First National Bank of Sterling City $245M A
Farmers and Merchants Bank $245M A
Guadalupe Bank $243M A
National Bank & Trust $240M C
The City National Bank of Taylor $239M A
First Texas Bank $238M A
Texas Financial Bank $235M A
The First National Bank of Anderson $234M B
The Citizens National Bank of Hillsboro $233M A
Cendera Bank $228M C
Unity National Bank of Houston $228M B
Cypress Bank, SSB $227M B
Sanger Bank $226M A
Muenster State Bank $222M A
First State Bank of Bedias $213M A
First National Bank of Lake Jackson $212M B
BOC Bank $212M A
The Perryton National Bank $204M A
First Texas National Bank $202M B
First State Bank of Odem $201M A
The Community Bank $198M A
Lone Star Bank $191M A
First National Bank of Bosque County $189M A
The First National Bank of Evant $188M B
Peoples State Bank $187M A
Citizens State Bank $187M A
First State Bank of Ben Wheeler, Texas $184M A
First Security State Bank $184M A
Texas Advantage Community Bank, National Association $184M B
Farmers State Bank $181M B
First State Bank $180M A
Peoples Bank $177M B
Greater State Bank $177M B
First State Bank $174M A
The First National Bank of Eagle Lake $170M B
Big Bend Banks, N.A. $169M A
Bank of South Texas $168M A
Security Bank of Texas $164M B
The Brady National Bank $164M A
Normangee State Bank $159M B
Graham Savings and Loan, SSB $157M B
Fidelity Bank of Texas $157M C
First National Bank of Fort Stockton $157M B
The First National Bank of Quitaque $156M A
The First National Bank of Winnsboro $156M A
The First State Bank $153M A
The First National Bank of Tom Bean $150M A
Fannin Bank $148M B
Peoples State Bank $148M A
Marion State Bank $147M A
First State Bank $147M A
Carmine State Bank $147M C
Mason Bank $144M A
The American National Bank of Mount Pleasant $142M A
Johnson City Bank $140M A
Texas National Bank $140M B
First State Bank of Brownsboro $138M B
The First National Bank of Aspermont $137M C
POINTWEST BANK $137M A
Spur Security Bank $135M B
The Buckholts State Bank $135M A
Bank19 $134M A
First National Bank of Dublin $133M A
Agility Bank, National Association $130M C
Dalhart Federal Savings & Loan Association, SSB $129M C
The First State Bank $128M A

How to read the Texas bank directory

This page lists every FDIC-insured bank with a primary regulatory address in Texas. Both state-chartered and nationally-chartered banks appear when the FDIC institution directory places their headquarters here. 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.

Health grade interpretation

Each bank's letter grade (A–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. Across Texas, 314 institutions (90%) sit in the A or B band, while 7 (2%) 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.

When failures matter

Since 2000, 14 banks headquartered in Texas have failed. Every depositor was made whole up to the standard FDIC ceiling ($250,000 per depositor, per ownership category, per institution). Failures cluster around macro events (the 2008–2010 wave, the 2023 regional-bank stress) rather than steady attrition, so a clean recent record reflects the absence of a triggering shock more than guaranteed safety. The "Under Stress" ranking is more forward-looking, because it scores current capital and credit-loss capacity.

Sources, refresh cadence, and corrections

Every figure derives from the FDIC Quarterly Banking Profile and the FDIC Institution Directory, both public-domain. We re-pull on the FDIC's schedule (quarterly release plus monthly directory deltas for mergers and closures). Asset and capital figures are reported as of the most recent quarter-end and lag the calendar by ~90 days, the FDIC's reporting lag, not ours.

Using the Texas directory

Three ways to put this state view to work.

Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings.

Data compiled from the Federal Deposit Insurance Corporation (FDIC) (FDIC Quarterly Banking Profile, Institution Directory, Failed Bank List). See our methodology for the full pipeline and source vintage.

Retrieved and compiled by PlainBankData Editorial from FDIC Call Report (FFIEC 031/041) filings, Q4 2025.

← All US states

Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. This page draws directly on FDIC federal source data, no figure is typed in by an editor. 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.