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First Lockhart Bank

$100M-$1B Specialty: Commercial TX FDIC cert 13599

Lockhart, TX

6 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

First Lockhart Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.26% above tier average
  • + Delinquency Rate 0.79% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 30.0% in tier
  • - ROA 0.60% below tier average
  • - Efficiency Ratio 14.20% above tier average
Get updates when First Lockhart Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $408.9M
+4.7% YoY +2.8% QoQ
+$22.8M $386.1M
+0.5% YoY
$2.3B
+1.1% YoY
$6.2B
+9.1% YoY
62%
Total Loans ? $301.2M
+10.5% YoY +0.5% QoQ
+$45.5M $255.7M
+1.1% YoY
$1.1B
+10.2% YoY
$3.2B
+10.8% YoY
68%
Total Deposits ? $368.4M
+4.4% YoY +3.0% QoQ
+$40.4M $328.0M
+0.1% YoY
$1.9B
+3.3% YoY
$4.8B
+8.2% YoY
66%
Return on Assets ? 0.67%
+27.1% YoY -16.3% QoQ
-0.60% 1.27%
+12.9% YoY
1.40%
+10.3% YoY
1.23%
+13.4% YoY
20%
Net Interest Margin ? 4.19%
+12.7% YoY -0.9% QoQ
+0.26% 3.93%
+6.0% YoY
4.03%
+2.6% YoY
3.89%
+5.7% YoY
68%
Efficiency Ratio ? 79.49%
-3.4% YoY +4.4% QoQ
+14.20% 65.29%
-4.5% YoY
63.18%
-2.3% YoY
66.95%
-4.1% YoY
16%
Delinquency Rate ? 0.10%
-65.5% YoY +0.5% QoQ
-0.79% 0.89%
+18.8% YoY
0.96%
+36.6% YoY
0.95%
+18.8% YoY
74%
Loan-to-Deposit Ratio ? 81.76%
+5.8% YoY -2.4% QoQ
+5.12% 76.64%
+0.8% YoY
67.20%
-0.8% YoY
76.70%
+0.9% YoY
43%
Non-Interest-Bearing Deposit Share ? 23.15%
-6.6% YoY +4.2% QoQ
+1.13% 22.02%
-1.0% YoY
29.02%
-1.0% YoY
22.01%
-1.2% YoY
59%
Nonperforming Asset Ratio ? 0.21%
+6.1% YoY -2.3% QoQ
-0.42% 0.64%
+19.7% YoY
0.62%
+31.5% YoY
0.67%
+19.3% YoY
58%
Tier 1 Capital Ratio ? 9.37%
-31.4% YoY -1.4% QoQ
-6.46% 15.83%
+1.5% YoY
18.04%
+0.0% YoY
17.06%
+0.8% YoY
Bottom 3.2% in tier
Non-Interest Income / Assets ? 0.07%
-6.9% YoY -72.3% QoQ
-0.21% 0.28%
+9.3% YoY
0.20%
+4.0% YoY
0.32%
+4.1% YoY
30%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk
#201 of 666 • Bottom 30.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.37%
(Tier: 15.83%, National: 17.06%)
worse than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

2580
Tier 1 Capital Ratio
capital
Value: 9.37%
Peer Median: 15.83%
#2580 of 2664 Bottom 3.2% in $100M-$1B
2242
Efficiency Ratio
profitability
Value: 79.49%
Peer Median: 65.29%
#2242 of 2664 Bottom 15.9% in $100M-$1B
2145
Return on Assets
profitability
Value: 0.67%
Peer Median: 1.27%
#2145 of 2664 Bottom 19.5% in $100M-$1B
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