Safest Banks in Texas 2026
Texas has 321 FDIC-insured banks with an average Bank Health Score of 74/100 (B). The safest bank is Arrowhead Bank with a score of 100/100.
Data from FDIC Q2 2024
Top 20 of 321 Banks in Texas
| # | Bank | City | Grade | Score | Tier 1 Capital | NPL Ratio |
|---|---|---|---|---|---|---|
| 1 | Arrowhead Bank | Llano | A | 100 | 17.42% | 0.00% |
| 2 | Zavala County Bank | Crystal City | A | 100 | 63.42% | 0.00% |
| 3 | Texas State Bank | San Angelo | A | 100 | 19.41% | 0.00% |
| 4 | Texas Community Bank | Laredo | A | 100 | 24.72% | 0.04% |
| 5 | Titan Bank N A | Mineral Wells | A | 100 | 22.90% | 0.07% |
| 6 | Grandview Bank | Grandview | A | 100 | 16.21% | 0.02% |
| 7 | Big Bend Banks N A | Marfa | A | 100 | 38.37% | 0.00% |
| 8 | First Command Bank | Fort Worth | A | 100 | 17.44% | 0.07% |
| 9 | First Nb of Stanton | Stanton | A | 100 | 32.47% | 0.00% |
| 10 | Trinity Bank N A | Fort Worth | A | 100 | 16.20% | 0.00% |
| 11 | Charles Schwab Trust Bank | Westlake | A | 100 | 92.79% | 0.00% |
| 12 | Columbus State Bank | Columbus | A | 99 | 32.00% | 0.00% |
| 13 | Kress National Bank | Kress | A | 99 | 24.10% | 0.00% |
| 14 | Tib National Assn | Farmers Branch | A | 99 | 17.31% | 0.02% |
| 15 | First Nb of Dublin | Dublin | A | 99 | 15.88% | 0.10% |
| 16 | Menard Bank | Menard | A | 99 | 20.39% | 0.00% |
| 17 | First Nb of Mertzon | Mertzon | A | 99 | 75.85% | 0.09% |
| 18 | First Texas Bank | Georgetown | A | 98 | 19.52% | 0.00% |
| 19 | Pointwest Bank | West | A | 98 | 28.44% | 0.00% |
| 20 | Junction National Bank | Junction | A | 98 | 33.72% | 0.04% |
Bank Health Scores for Texas are calculated from FDIC Call Report data including Tier 1 capital ratios, nonperforming loan ratios, liquidity ratios, and return on assets.
Frequently Asked Questions
Based on our Bank Health Score analysis of FDIC data, Arrowhead Bank in Llano is currently the safest bank in Texas with a score of 100/100 (Grade A).
Texas has 321 FDIC-insured banks with a combined $839.6B in total assets. The average Bank Health Score across the state is 74/100.
The Bank Health Score (0-100) is based on four FDIC-reported metrics: Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%). Higher scores indicate stronger financial health.
Bank Health Scores are computed from quarterly FDIC Call Report data. Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).