# TEXAS FIRST BANK
TEXAS CITY, TX · FDIC certificate 23799 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $2.35B | |
| Deposits | $2.06B | |
| Loans and leases | $1.34B | |
| Total equity | $228.1M | |
| Loans / deposits | 64.30% (p10 of band) | 87.10% |
| Liquid assets / assets | 38.73% (p89 of band) | |
| Uninsured deposits / deposits | 48.41% (p89 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.94% (p29 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.96% (p36 of band) | 10.50% |
| Unrealized securities loss / equity | -27.01% (p12 of band) | -7.75% |
| AOCI / equity | -1.56% (p8 of band) | |
| ROA (annualized) | 1.68% (p78 of band) | 1.26% |
| Net interest margin | 3.95% (p65 of band) | 3.70% |
| Efficiency ratio | 58.47% (p48 of band) | |
| Noncurrent loans | 0.17% (p20 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p31 of band) | |
| Reserve coverage of noncurrent | 782.84% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 128.80% (p95 of band) | |
| Auto loans | $2.0M (0.15% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $15.5M (7% of equity) (p85 of band) | |
| Deposits YoY | -1.6% | |
| Employees | 273 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 1 | charge-offs p90 | capital falling |
| 2018-09 | 0 |  | charge-offs p90 |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity, construction >100% equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | deposits shrinking | AOCI drag >20% of equity |
| 2023-06 | 3 |  |  |
| 2023-09 | 2 |  | deposits shrinking |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | uninsured deposits >50% |  |
| 2025-03 | 2 |  | uninsured deposits >50% |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | securities losses >30% of equity |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | uninsured deposits >50% |  |
| 2026-06 | 1 |  | uninsured deposits >50% |

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

- 2025-05-29 [First Bank Texas Rolls Out Mobile Banking Branch Across North and West Texas - The Business Press](https://news.google.com/rss/articles/CBMitgFBVV95cUxPN2ZWdzh5MjN4VWloLTJYbm1Kc0E3amtybmExbzhhOXNEVk8ycmEzdHljQlBuSUtEQnpIcDM4OE9mZzlEWnFsOThEWmtTREFKd1RtWkJfbUlZTGp3cUQ1aTZTQjRrQXFiOC1naE00eHJybUpyMHJ4bF9jSDNTVFJDanRCOWJzM2tna1U0c0JSOW16NUNfamdfSWJBSTh5dWdVZFByR1ltQTR4YUp1Zks5Zm9yZnBTdw?oc=5) · The Business Press
- 2023-07-19 [Texas First Bank acquires Texas City office building for new headquarters - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQTGR6RWY3NjF3NVVyNndlNGxtUno5ZERFeEJ0endSRVVLYnlrTFJ5TzZDdDlTSzhNTzhZYUZQd2JfRjR2bjhvdE9NRmN5VjFSVmIyQWlqM19CMEFtOXJSNzl0VjBNUEZYNVRfXzdjVnVYeHRpQ1RjVlBKa05tc1BxdG9SVmJzN0p0bzhLVHFvMGpyYWJqZnZPNUJERzNaY2lVa1Z1RGRQaHkwQQ?oc=5) · The Business Journals
- 2024-02-13 [Texas First Bank names Ryan C. Doyle as CFO - galvnews.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxQWFVrZ3ZmbTAwbU1lSldvZUV1SWt6NGdIRVp2WkJhWUs3WElmTE1lOTFyTWJfSmFnaU1TQl9fVTNsTFRvQ2ZDYXVNNlpraENvWEd6Y2dZZkgwaW04aHhEMUdJUDFhXzhZZlZySUpnQ0tKUFBlUFBVMS1URkRhUm1VWEdscXFJN09LMjI5YjVldkdzRG1Qczc1bmFBS0lBaEYxYWRud3lyWUJxY3Y2TTFkMlBMME5mcGYxbk1kRmxoVQ?oc=5) · galvnews.com
- 2023-08-17 [New full-service facility to house Texas First Bank and Insurance in Conroe - Community Impact](https://news.google.com/rss/articles/CBMiywFBVV95cUxOYkYzZEJQWTN4TUQ5YnpidlREVEtFd3pCUnRJRGx6bjB2cmFxYUJhdGtGeFZWV0hIMngybVRQYk9zYS16cjJWQVc3OVRadE5WUHF1VDEzSG9LU3BLN1JvRmZPNXg4eUJFcjRFRGJpZEduNWx0dmVRODJzUk1ONkhidURTUWxZTlk4WmJld2pVQlV5UlBlRVpZVUllYmJiVXlPMTBfdDloN1NPQk1lck9OOHBsSXF2UklSWG5EQmcyNnFxX0kxQWY0VzhSRQ?oc=5) · Community Impact
- 2025-04-08 [Best Banks and Credit Unions in Texas 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPaHVBQTVTZmk3enlkTEFtTmNFVlFWMlpoMmJXcXZocEVHeXp1dmNJS1daUkpqVDROaXhqbnRhQXFSRmJfNXNmSkJhYW9UZDctTUl5bzVKQkpuWUpfNDg3TGRSajRaTFFYa2hpX1BUSFh6OGdibzFUX050UktoUmQtdTlqanY2NGM2cWNj?oc=5) · Newsweek Rankings
- 2025-07-11 [The 20 top-performing banks with $2B to $10B of assets - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxPS0NEYTZFeXRleUhoXzViMmtzQVBWX2xhVVI3aXQwT2N4c056SGF0dzBKbG9uWjlPTXRBcEFNT19XN1JDQmZFZ2ZZLWd1cjVqNEJYOXhuQkJJVzBuY1RubG9HRy10M1o1N0M5THY4REtaaW40WVBQWHJfS2dfNHJFdFVwajVROVVKSEtWQ0YxS0Rjd2tZU2JF?oc=5) · American Banker
- 2019-01-15 [Suspects arrested in Texas First bank robbery in Galveston - Chron](https://news.google.com/rss/articles/CBMitAFBVV95cUxNU1l6SU02bXNRdHpXRzFnX0RVdTlMdTcxdEllVDV3dVVGMFpZOTlWMVlyVVowYkgtN0hCVDJzSlNUeGxYQnlTamdRUnkzTXdsZDhZZ2FpQVJNVGRxSDBscHVtaXh6NV9LM3dxNlBuV3hCQ3pscmlVZ0dIZjVQTWtGVkVQT2piV2VObkQwZVg4RDV3N0J3Nkp4bk9xMldkYU55QUptWTRHSDhzOEI4d0VHRzhmeTU?oc=5) · Chron
- 2025-03-12 [Texas First Insurance names first-ever CEO, promotes new president - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxNSjZlLWVPQkFicTZPNE1qLVo2WWxKS1NPWFFKNmNfNUVrLTd5Z05xbDVFRVozTGZLdjFXUjNJVlFaMDVIWUMzby04R215MDZsRHhnRURicmtWTFZBcU9uekVUa3ZqQV9IOFlYMG56Y3dvMnZyUi1fZjNKOUo1eFZCOWZoMnk2bmxYSDBaZ3JsQVpfbWpUaWxrREZPYkg?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23799 (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/55.json (key "23799", 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.

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