First Lockhart Bank
Lockhart, TX
IDRSSD: 631150
Total Assets
$397.80M
Latest filing
Total Deposits
$357.73M
Latest filing
Net Interest Margin
4.32%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
114903213LOCKHART, TX
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First Lockhart Bank
111 S Main St
Lockhart, TX 78644
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/09/1934FDIC Certificate 8504
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First Lockhart Bank (Main) | 111 S Main St | Lockhart, TX |
| KYLE BRANCH | 800 West Farm To Market 150 | Kyle, TX |
| AUSTIN OFFICE BRANCH | 319 W Slaughter Ln | Austin, TX |
| SAN MARCOS BANKING CENTER | 2507 Hunter Road | San Marcos, TX |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/09/1934 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 78644 |
| State and County Number | 48055 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Austin-Round Rock-Georgetown, TX |
Operational Info
| Number of Employees | 49 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 12/01/2025 |
| Date of Deposit Insurance | 01/09/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.firstlockhart.com |
| Data Updated | 01/30/2026 |
| CERT | 13599 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $397.80M |
| Total Deposits | $357.73M |
| Total Liabilities | $360.67M |
| Total Equity Capital | $37.13M |
| Net Income | $788.00k |
| Net Loans and Leases | $299.56M |
| Assets Per Employee ($Millions) | $7.51M |
| Bank Premises and Fixed Assets | $11.17M |
| Cash and Balances due from Depository Institutions | $55.43M |
| Deposits Held in Domestic Offices | $357.73M |
Key Performance Ratios
| Return on Assets (ROA) | 0.8% |
| Return on Equity (ROE) | 8.54% |
| Net Interest Margin | 4.32% |
| Efficiency Ratio | 76.3% |
| Tier 1 Risk-Based Capital Ratio | 12.757% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.334% |
| Earning Assets to total Assets | 92.89% |
Income and Expense
| Total Interest Income | $5.63M |
| Total Noninterest Income | $212.00k |
| Total Interest Expense | $1.69M |
| Total Noninterest Expense | $3.17M |
| Net Interest Income | $3.94M |
| Pre-tax Net Operating Income | $983.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $576.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.94M |
| Total Liabilities and Capital | $397.80M |
Securities
| Securities | $22.36M |
| Available-for-sale debt securities | $22.36M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Lockhart Bank?
$397.80M as of the latest filing.
How much are First Lockhart Bank's total deposits?
$357.73M in total deposits.
Where is First Lockhart Bank located?
Lockhart, TX.
What is the Net Interest Margin?
4.32%.
How many domestic offices does it operate?
4.
When was it established?
01/09/1934.
What is the Return on Assets (ROA)?
0.8%.
How much are total loans and leases?
$299.56M (latest filing).
What is the total interest income (latest filing)?
$5.63M.