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First-Lockhart National Bank

Lockhart, TX
IDRSSD: 631150
Total Assets
$386.14M
Latest filing
Total Deposits
$347.06M
Latest filing
Net Interest Margin
4.48%
Profitability
0

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 ClassCommercial bank, national (federal) charter, Fed member, and supervised by the OCC
Primary RegulatorOCC
Established Date01/09/1934
Community BankYes
Ownership TypeNot Mutual
ZIP78644
State and County Number48055
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number11
Numeric code3
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictDallas
Core Based Statistical Area NameAustin-Round Rock-Georgetown, TX

Operational Info

Number of Employees54
Domestic Offices4
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance01/09/1934
Primary Insurance AgencyDIF
Websitehttp://www.firstlockhart.com
Data Updated11/14/2025
CERT13599
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$386.14M
Total Deposits$347.06M
Total Liabilities$349.49M
Total Equity Capital$36.65M
Net Income$994.00k
Net Loans and Leases$289.55M
Assets Per Employee ($Millions)$7.88M
Bank Premises and Fixed Assets$11.25M
Cash and Balances due from Depository Institutions$47.59M
Deposits Held in Domestic Offices$347.06M

Key Performance Ratios

Return on Assets (ROA)1.04%
Return on Equity (ROE)11%
Net Interest Margin4.48%
Efficiency Ratio70.48%
Tier 1 Risk-Based Capital Ratio13.255%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets9.49%
Earning Assets to total Assets92.94%

Income and Expense

Total Interest Income$5.31M
Total Noninterest Income$235.00k
Total Interest Expense$1.33M
Total Noninterest Expense$2.97M
Net Interest Income$3.98M
Pre-tax Net Operating Income$1.24M
Provision for Credit Losses$0
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
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$2.43M
Total Liabilities and Capital$386.14M

Securities

Securities$28.59M
Available-for-sale debt securities$28.59M
Equity securities with readily determinable fair values not held for trading$0
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 National Bank?
$386.14M as of the latest filing.
How much are First-Lockhart National Bank's total deposits?
$347.06M in total deposits.
Where is First-Lockhart National Bank located?
Lockhart, TX.
What is the Net Interest Margin?
4.48%.
How many domestic offices does it operate?
4.
When was it established?
01/09/1934.
What is the Return on Assets (ROA)?
1.04%.
How much are total loans and leases?
$289.55M (latest filing).
What is the total interest income (latest filing)?
$5.31M.