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
321 Texas banks are ranked below by the BankHealth composite score. The composite weights Tier 1 capital ratio (35%), inverted non-performing loan ratio (30%), liquidity ratio (25%), and return on assets (10%) into a 0-100 grade.
Top-of-list banks combine strong capital with clean loan books and reasonable profitability. Bottom-of-list banks face pressure on one or more scoring factors — most often elevated NPL ratios or thin profitability margins. Each bank links to its full profile with multi-quarter trend charts, the four composite factor breakdowns, and the underlying FDIC Call Report data.
Texas's 321 FDIC-insured banks hold a combined $839.6B in assets. Their average Bank Health Score of 74/100 sits 4.0 points above the national average of 70/100. Across the state, 63% of banks earn an A or B grade for financial health, while 7% fall to a D or F.
The largest bank headquartered in Texas is Charles Schwab Bank SSB with $273.8B in assets and a Bank Health Score of 93/100. The strongest by score is Arrowhead Bank in Llano (100/100, Tier 1 capital 17.42%). The weakest is Mint National Bank at 18/100, dragged down by an NPL ratio of 4.65%.
All scores below come from the latest FDIC BankFind Call Report (Q2 2024). The Bank Health Score weights Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%) — the four metrics regulators watch most closely when judging whether a bank is well-capitalized. Every bank with FDIC insurance covers up to $250,000 per depositor per ownership category, but the score helps you tell apart banks that are comfortably well-capitalized from those operating closer to the line.
Top 3 Safest Banks in Texas
Arrowhead Bank
Llano, TX
Texas's top-rated bank, with a Tier 1 capital ratio of 17.42% — well above the federal "well-capitalized" threshold of 8%. Holds $287M in assets.
Zavala County Bank
Crystal City, TX
Second-strongest in the state on capital and loan quality. NPL ratio sits at 0.00% with $77M in total assets.
Texas State Bank
San Angelo, TX
Third in the rankings on the Bank Health Score. Liquidity ratio of 34.86% and ROA of 2.04%.
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). It posts a Tier 1 capital ratio of 17.42% and a nonperforming loan ratio of 0.00%.
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 (Grade B).
Texas's average Bank Health Score of 74/100 is 4.0 points above the national average of 70/100. 63% of banks in Texas earn an A or B grade, compared with the national average grade of B.
Of 321 FDIC-insured banks headquartered in Texas, 149 earn an A, 53 a B, 95 a C, 23 a D, and 1 an F. The most common grade is B.
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. Every score uses the latest FDIC Call Report data.
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%).