# FIRST LOCKHART BANK
LOCKHART, TX · FDIC certificate 13599 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $415.9M | |
| Deposits | $375.0M | |
| Loans and leases | $314.0M | |
| Total equity | $38.0M | |
| Loans / deposits | 82.86% (p53 of band) | 82.04% |
| Liquid assets / assets | 19.92% (p32 of band) | |
| Uninsured deposits / deposits | 33.01% (p74 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.34% (p19 of band) | 10.81% |
| Unrealized securities loss / equity | -1.25% (p85 of band) | -8.10% |
| AOCI / equity | -0.17% (p61 of band) | |
| ROA (annualized) | 0.70% (p18 of band) | 1.28% |
| Net interest margin | 4.30% (p72 of band) | 3.91% |
| Efficiency ratio | 78.80% (p88 of band) | |
| Noncurrent loans | 0.29% (p41 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p65 of band) | |
| Reserve coverage of noncurrent | 353.15% | |
| Real estate % of loans | 98% | |
| Construction % of loans | 94.05% (p84 of band) | |
| Auto loans | $2.1M (0.66% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 10.0% | |
| Employees | 59 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 2 | capital falling, construction >100% equity |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 2 | charge-offs p90 | capital falling |
| 2014-06 | 1 |  | charge-offs p90 |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 | capital falling | construction >100% equity |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 2 | capital falling, construction >100% equity |  |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | construction >100% equity |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | construction >100% equity |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 3 | deposits shrinking, assets shrinking |  |
| 2023-09 | 2 | uninsured deposits leaving | deposits shrinking, assets shrinking |
| 2023-12 | 3 | capital falling, expense ratio p90 | uninsured deposits leaving |
| 2024-03 | 2 |  | capital falling |
| 2024-06 | 2 | uninsured deposits leaving | expense ratio p90 |
| 2024-09 | 1 |  | uninsured deposits leaving |
| 2024-12 | 1 | capital falling | construction >100% equity |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-10 [First Lockhart Bank opens New Braunfels location - Community Impact](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWE1CWWV2QTFiaGNyTXlsRXJ2VlZNREtXdF9rNzJWSUJKU1l1YjRvajlvVXdCa2x4bHowd0g5OThJSG1OSTNqcHJlZ0V4WmRzXzg4SGROMlFrMXVpdjlIZW5tdE1XajhsRnIzNm9DWEQ0alpwZkp1RTZJMV9PdFpGcWMzZUktQnF5MFdkZnNFWXpKQmVVV0d0UUtHay1TRU05b1E?oc=5) · Community Impact
- 2026-03-19 [CTHR has added a carnival to Lockhart rodeo event - Lockhart Post Register](https://news.google.com/rss/articles/CBMiggFBVV95cUxQRXRHS0xKRWI2dFFVSkxleWhUTFExQkdTczluTXJYRkFnLUd1Q0JWSTNOU2ttSS1NdGVqS0Z5TExjRHpqMDlkZy1wcC1waldHSUluYzRxbFZPc0FHc3RVVFFZU1NiM3dUNDBUdTNmZjZwYzNjM2JuTlM3U2x3bFp0T3pn?oc=5) · Lockhart Post Register
- 2026-07-20 [LBJ Museum announces golf tournament winners - sanmarcosrecord.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPLWNKM2s2MlZVSXVmNlBXeFd3a3ZQZGZleENyeE9kWm96c3k0VDdqcExtUmJVQ2pCY0RvQXFxbjlCb1RlNmcwM0FjZ1A0dFNzUzJ5UzBOSTc2OWp4U3JCNlZQckxKdEh0b25xVE1zbnNQZExkcTdid2p2VUIzNE8xNmJGWEhqU0FwZllTY0NlYw?oc=5) · sanmarcosrecord.com
- 2025-11-20 [Lockhart “Coffee with a Cop” - Lockhart Post Register](https://news.google.com/rss/articles/CBMiY0FVX3lxTE16NkdkYmQwX1Yyb001ZGp5ZGtVRFg3aG4wOGxBajlsZjhfVzRRcVFxdjBNZExoREp4OVNJbFR4c0pCTWMyZnlzdDdjZ1VMeGhSeGxBVGZpbWdFVHVDRXBHS1NWRQ?oc=5) · Lockhart Post Register
- 2026-03-19 [2026 Caldwell County Junior Livestock Show - Lockhart Post Register](https://news.google.com/rss/articles/CBMie0FVX3lxTE1OQkR1bWhDSXBZMUpfSERUUmJGMXVxQUJUNFA5bS1zZWlGSjZWa2dHcEdMOWdpcE9OZ1NQY2xYdXZJdGNBRWJrTnR0QWN3NERZS1dlTnRoc3BmSVlLQnhpYXJMSVY0Vy1TejJPY3Q3dlQ4QjdVdFFzSHRsYw?oc=5) · Lockhart Post Register
- 2026-03-19 [2026 Caldwell County Junior Livestock Show - Lockhart Post Register](https://news.google.com/rss/articles/CBMie0FVX3lxTE1GWHcyTHhucUZEbDhKYWRabF9STW5VQlZzYmpLb0ZOZDJ2TjdjS2JkVExmclFfcFVENTZQTDZ0TVo1S2hNNWdUQzVJbnhwN2Z4NFN1NWN5VkZiOVU0NERoZ2cwMXVfdlJKMDVRTXl1SWQ3eF95RWUxV0N3bw?oc=5) · Lockhart Post Register
- 2026-06-18 [Chisholm Trail Homecoming Rodeo draws big crowds, celebrates community tradition - Lockhart Post Register](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQekdNQWQ4cm9YdkFXSkhSbExYRWw1eVNpbzB6ZHlWWkY0V0trN3NsNmlscHVWQU4tVjg1WFRfQnJCWDBtbWtlWVladzJzbWJwaHMtVFQ3aUQ1ZEZLS0pEQTIyWHdXVEZ4VEIzcTlGeVZCWjZfMGllRHZUcjZ5aDFmQWFnNnJoR3FZWGI5UWc3RFRMd2t1ZndvVXhFMTY2bjNNbGIxVTdEb1BoUQ?oc=5) · Lockhart Post Register
- 2026-05-21 [Lockhart prepares for 2026 CTHR Celebration - Lockhart Post Register](https://news.google.com/rss/articles/CBMiekFVX3lxTE9vcmkwdmFXbmZzVXRhcGRmRlprZ0VTbEJQME9vTi1MWmdXN3ctbFVoVHNMT2ZVbkFJTEpnSXlJQVV2d0VOWnZ4LW9zMW5IQm5Gd05rUUtINVRqM1J1elJ2djlURWhZZl9McEtSYVRKTWpEN21aZVdLXzRB?oc=5) · Lockhart Post Register

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13599 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/31.json (key "13599", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide