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Texas First Bank
Texas City, TX · FDIC Certificate #23799 · Chartered 04/2
Total assets
$2.35B
Total deposits
$2.06B
Total equity
$228.06M
Net loans
$1.32B
Branches (offices)
27
Net income (YTD)
$19.78M
Rank: #529 of 4,213 U.S. banks by assets · #48 of 346 in Texas. Assets changed -1.4% and deposits -1.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.68% |
| Return on equity | 17.18% |
| Net interest margin (YTD) | 3.95% |
| Equity to assets | 9.72% |
| Tier 1 leverage ratio | 9.96% |
| Uninsured deposits (share of deposits) | 48.4% |
| Noncurrent loans (share of loans) | 0.17% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 64.3% |
| Real estate loans (share of loans) | 81.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.08B | 81.5% | |
| Commercial & industrial | $178.56M | 13.5% | |
| Consumer / individual | $8.87M | 0.7% | |
| Construction & development | $293.75M | 22.2% | |
| Agricultural | $24.36M | 1.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.18B | $2.01B | $19.53M | $164.25M |
| Jun 2023 | $2.22B | $1.89B | $12.81M | $175.91M |
| Jun 2024 | $2.24B | $1.93B | $10.63M | $196.61M |
| Jun 2025 | $2.38B | $2.09B | $15.82M | $221.32M |
| Jun 2026 | $2.35B | $2.06B | $19.78M | $228.06M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $2.06B | 27 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.06B.
Similar-sized banks
Bank Iowa ($2.35B) · The Bank Of Commerce ($2.34B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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