First Lockhart Bank is a bank based in Lockhart, Texas, established in 1934, with $409 million in total assets across 6 branches. By Trust Grade it ranks 272nd of 349 banks we track in Texas. Its capital ratio of 9.2% trails most similarly sized banks (33th percentile), versus a Texas median of 10.9%. It was profitable over the most recent period, with a 0.67% return on assets. No consumer complaints against First Lockhart Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First Lockhart Bank compares to Texas peers
How we graded First Lockhart Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.2% capital ratio)
- Profitable (ROA 0.67%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First Lockhart Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (6)
- 800 West Farm To Market 150, Kyle, TX 78640
- 319 W Slaughter Ln, Austin, TX 78748
- 2507 Hunter Road, San Marcos, TX 78666
- 316 Avenue E, Shiner, TX 77984
- 3016 Independence Dr, New Braunfels, TX 78132
- 111 S Main St, Lockhart, TX 78644
Are deposits at First Lockhart Bank insured?
Yes. First Lockhart Bank is an FDIC-insured bank (FDIC certificate #13599). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
First Lockhart Bank: frequently asked questions
Is First Lockhart Bank a good bank?
First Lockhart Bank earns a Bankzia Trust Grade of A (92/100, "Excellent"), based on a financial-strength score of 92/100 (it has no CFPB complaints on record). Strongly capitalized (9.2% capital ratio); Profitable (ROA 0.67%).
Is First Lockhart Bank FDIC-insured?
Yes. First Lockhart Bank is a FDIC-insured bank (FDIC certificate #13599). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is First Lockhart Bank?
First Lockhart Bank holds $409 million in total assets, ranking 272nd of 349 banks we track in Texas. It operates 6 branches.
Does First Lockhart Bank have CFPB complaints?
No CFPB complaints against First Lockhart Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
