FIRST-LOCKHART NATIONAL BANK
LOCKHART, TEXAS · FDIC Cert #13599
Capital & Safety Analysis
According to FDIC financial data, FIRST-LOCKHART NATIONAL BANK holds a Tier 1 capital ratio of 12.80%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning FIRST-LOCKHART NATIONAL BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
FIRST-LOCKHART NATIONAL BANK shows strong financial health indicators. With $383M in assets and a Health Score of 82/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
FIRST-LOCKHART NATIONAL BANK has a Bank Health Score of A (82/100). It holds a Tier 1 capital ratio of 12.80%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
FIRST-LOCKHART NATIONAL BANK holds $383M in total assets and $348M in total deposits. It is located in LOCKHART, TEXAS (FDIC Certificate #13599).
FIRST-LOCKHART NATIONAL BANK has a Tier 1 capital ratio of 12.80%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.02%, and the return on assets is 0.53%.
Yes. FIRST-LOCKHART NATIONAL BANK is FDIC-insured (Certificate #13599). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.