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 4 of 4

Bank Assets Grade
Stockmens National Bank in Cotulla $125M B
Commercial State Bank $120M A
Henderson Federal Savings Bank $117M A
First Capital Bank $116M D
Spectra Bank $116M C
Lone Oak Bank, National Association $112M A
The Commercial Bank $112M A
The Cowboy Bank of Texas $111M A
The Lytle State Bank of Lytle, Texas $108M B
Citizens National Bank $103M B
The First National Bank of Trinity $97M C
The First National Bank of Hebbronville $97M A
The First National Bank of Anson $96M A
Junction National Bank $95M A
First National Bank $94M B
The First National Bank in Falfurrias $90M B
Bandera Bank $89M A
Atascosa Bank $89M B
Menard Bank $87M A
Angelina Savings Bank, SSB $86M A
Zapata National Bank $86M A
The First Bank of Celeste $83M A
The City National Bank of San Saba $81M B
Citizens State Bank $80M A
First National Bank of South Padre Island $78M A
Zavala County Bank $78M A
Citizens National Bank of Crosbyton $77M A
Pavillion Bank $74M A
Haskell National Bank $74M B
First State Bank of San Diego $74M B
First Federal Bank Littlefield, Texas $66M B
City National Bank $66M A
Citizens State Bank of Luling $63M B
State National Bank $62M C
Commerce Bank Texas $61M C
First State Bank $61M B
Kress National Bank $60M A
The First National Bank in Cooper $55M B
Lovelady State Bank $55M A
Amistad Bank $55M A
Crowell State Bank $55M A
The First National Bank of Moody $54M B
Producer Bank of Texas $54M C
The Granger National Bank $52M C
The Donley County State Bank $50M A
Robert Lee State Bank $44M C
The Bank of San Jacinto County, Coldspring, Texas $43M A
Avana Bank $41M B
Brazos National Bank $31M A
The First National Bank of Lipan $27M B

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.

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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.