# FIRST TEXAS BANK
LAMPASAS, TX · FDIC certificate 3293 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $259.7M | |
| Deposits | $232.4M | |
| Loans and leases | $93.1M | |
| Total equity | $25.4M | |
| Loans / deposits | 39.86% (p12 of band) | 73.59% |
| Liquid assets / assets | 61.97% (p89 of band) | |
| Uninsured deposits / deposits | 38.16% (p91 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.14% (p27 of band) | 11.76% |
| Unrealized securities loss / equity | -8.53% (p44 of band) | -6.57% |
| AOCI / equity | -0.58% (p41 of band) | |
| ROA (annualized) | 1.90% (p83 of band) | 1.17% |
| Net interest margin | 3.71% (p38 of band) | 3.93% |
| Efficiency ratio | 42.26% (p5 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | -0.03% (p5 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 89% | |
| Construction % of loans | 19.73% (p53 of band) | |
| Auto loans | $965,000 (1.04% of loans; DQ 0.10%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 8.4% | |
| Employees | 19 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 4 | reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-12 | 3 |  | reserve under noncurrent |
| 2013-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2014-06 | 2 | capital falling, uninsured deposits leaving | noncurrent p90, reserve under noncurrent |
| 2014-09 | 1 | NIM <2.5% | capital falling, uninsured deposits leaving |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | reserve under noncurrent |  |
| 2015-09 | 3 | capital falling |  |
| 2015-12 | 1 |  | NIM <2.5%, reserve under noncurrent |
| 2016-03 | 1 | losing money | capital falling |
| 2016-06 | 0 |  | losing money |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 2 | construction >100% equity |  |
| 2021-03 | 1 |  | construction >100% equity |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 | construction >100% equity | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 1 | securities losses >30% of equity | construction >100% equity, capital falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-06-30 [First Texas Bank sees a rise in fake money in business deposits - Williamson County Sun](https://news.google.com/rss/articles/CBMivgFBVV95cUxPNUFnRDdVdDIwOXFNN3JfRlVaQi1iM3o3VVZEUHoyRTlrajhXSHNSal90elg4MVctbXMzY1dMa2NaVzY4QVNPcjl3YnpBNGNzZEpRYWoxd2ZheUs5YmFkRThWdC1Hcjd0SUx0VkxubkkyVVR2SHRhWUROdGRxNkpxLVBNaUNFS3RmNWNRWGxHNE03ZXQ2ZjBMUi1ZcmViMFhfM25NdVUtb3A0VmJkSG5zY3ZQc3hQdDVIRnRxeEdR?oc=5) · Williamson County Sun
- 2026-07-14 [Williamson County Commissioners Court appoints Catherine Totty as tax assessor-collector - Williamson County (.gov)](https://news.google.com/rss/articles/CBMiXEFVX3lxTFBYV1lIR096cjlXbDFZX2ZEV052WFg5a21lQVpJSmROTS0wU3lvcFpCSU1oOU5LalJMdlh4Y1pYSG9zbnZQXzFhdjRYUENWcEg2M21FelZCYUtCbGRZ?oc=5) · Williamson County (.gov)
- 2026-07-02 [Bank makes donation for annual festival - lampasasdispatchrecord.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxPRGYxSEprNkpZemRKX3o1T3pUUnNQbHBST3RwUm1qSmpnLUJubEFlSjlLZ3lQS2lZdGVpZmkzSDRWd2F3N3Y3VmdlbVhoeGdrbU43azVGUkRUbEVXZENveUp6MlI1Wmo1MFN2a1hkT3lob1Q1c0NBd1ZGaGl4bEJEdU5tWG8?oc=5) · lampasasdispatchrecord.com
- 2026-05-12 [Banking legend Carlos Vacek dies at 89 - The Record Newspapers](https://news.google.com/rss/articles/CBMiowFBVV95cUxNODNOQ2ZscG9GWEdESmtZcHNoNXZmc2dFVmdxQ0xEOC1DNXNTaUZjRlRySDFaMTBuSHpSckFaalVJX1d5S1prSmR4ZTcyaWdBQ1NsUlVzRXRudVZIc1FFNHNod0pRejdmcmdvLUdCWkxCZl9TTno2TmpLQnlRN1pwQ3UzTjBTZ3l0MXUxbTNWQUdESDMxeXZ6Q0JscFQ0b2ppcVNN?oc=5) · The Record Newspapers
- 2025-05-02 [Supporting community heroes: First Texas Bank announces FREEDOM Checking Account - Community Impact](https://news.google.com/rss/articles/CBMiugFBVV95cUxPYWdaSVhsLVBUOHpsWjlhRHE4dHl1cDZVdE9sX01LUkpWTkVjMTlpeWNDVWw4cUJtdVF2eTVGbllMWjRvanRFc1A2RmUxX1EyTE80RDRIb0RzbkdVZm1JU3dlc3VrUC1WUzZoOVFqMUxqZUNXNTdMUnhrU2lDeDFKZUloMTk2RG9ONldVQkRuUnhRMnZqOW5tblhtRnZKRGxibEZIbVlXTlpGV2toX3hzZTFqWlJXamtkMVE?oc=5) · Community Impact
- 2026-04-23 [EDC partners with banks to offer business improvement loans - lampasasdispatchrecord.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxNTWtDYkVxdHdWeXg0N0hDY1BlTlg4dFc1elluZm9RaTV0WHJJVktnSk5HLUNBQ3d5d0NXLVBMS0txVHJiQ3ZoTDFmMWdSRzd1d0M5clA1RER6LTY0QmZkWUg1d0NNTVRTTVBoZE5fcHV2c3dhVk1ueGV6cTluUERiS25YSGdzVnJVMW5nbzBxNmZPUmFYdnAwdnYwc2w5ak5fQ2RhY2VNTQ?oc=5) · lampasasdispatchrecord.com
- 2025-06-29 [Santa Anna National Bank becomes first Texas bank to fail since 2019 - BigCountryHomepage.com](https://news.google.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?oc=5) · BigCountryHomepage.com
- 2014-11-25 [First Texas Bank opens new branch in Killeen - The Killeen Daily Herald](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPakstUm1neER3cl9YZkpScFN0R0lZMnFsOG4xVy15QmRrbl9qNWFVZV81SjhiclBnd0ZlU3lDdDlqVGpTWTZtN05hRnZtRUJncldZQThoTlNjRGhDRnFHdVdjcGtfS19UZnhzbzhVTjViUmNVdXJ1OVNLSWZpVHNuUzZOMC1TRER0THpUSjZnOHgzamp6eHJ0UHFtek1nUG9zQno5VUNrTzFRS01SeUNDaVkyVkFxMEJHVl9LZ09UbmU?oc=5) · The Killeen Daily Herald

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3293 (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/29.json (key "3293", 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