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First Texas Bank

Killeen, TX
IDRSSD: 688257
Total Assets
$416.66M
Latest filing
Total Deposits
$368.44M
Latest filing
Net Interest Margin
3.40%
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, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date11/16/1977
Community BankYes
Ownership TypeNot Mutual
ZIP76542
State and County Number48027
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number11
Numeric code21
Insured by FDICInstitution closed or not insured by FDIC
Federal Reserve DistrictDallas
Core Based Statistical Area NameKilleen-Temple, TX

Operational Info

Number of Employees50
Domestic Offices4
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date11/16/2024
Date of Deposit Insurance11/16/1977
Primary Insurance AgencyDIF
WebsiteN/A
Data Updated11/28/2025
CERT22551
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$416.66M
Total Deposits$368.44M
Total Liabilities$372.26M
Total Equity Capital$44.41M
Net Income$1.27M
Net Loans and Leases$191.46M
Assets Per Employee ($Millions)$8.33M
Bank Premises and Fixed Assets$6.40M
Cash and Balances due from Depository Institutions$52.89M
Deposits Held in Domestic Offices$368.44M

Key Performance Ratios

Return on Assets (ROA)1.24%
Return on Equity (ROE)11.52%
Net Interest Margin3.4%
Efficiency Ratio54.49%
Tier 1 Risk-Based Capital Ratio19.362%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.09%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets10.658%
Earning Assets to total Assets95.42%

Income and Expense

Total Interest Income$3.99M
Total Noninterest Income$388.00k
Total Interest Expense$686.00k
Total Noninterest Expense$2.01M
Net Interest Income$3.31M
Pre-tax Net Operating Income$1.59M
Provision for Credit Losses$89.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets—
Other Real Estate Owned$0
Other borrowed funds$0
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$3.82M
Total Liabilities and Capital$416.66M

Securities

Securities$156.48M
Available-for-sale debt securities$11.11M
Equity securities with readily determinable fair values not held for trading—
Held-to-maturity securities$145.37M
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of First Texas Bank?
$416.66M as of the latest filing.
How much are First Texas Bank's total deposits?
$368.44M in total deposits.
Where is First Texas Bank located?
Killeen, TX.
What is the Net Interest Margin?
3.40%.
How many domestic offices does it operate?
4.
When was it established?
11/16/1977.
What is the Return on Assets (ROA)?
1.24%.
How much are total loans and leases?
$191.46M (latest filing).
What is the total interest income (latest filing)?
$3.99M.