Updated April 2026 · FDIC Call Report Q2 2024
Banks in Texas
321 FDIC-insured banks are chartered in Texas, holding $839.6B in combined assets. The state-wide average Bank Health Score is 74/100 (B), built from quarterly FDIC Call Report data on capital, loan quality, liquidity, and profitability.
Across Texas, 321 FDIC-insured banks hold $839.6B in total assets. Average BankHealth composite score: 74/100 (average grade B). Moderate state-level scores typically reflect a healthy mix with some banks under pressure.
Top bank by assets: Arrowhead Bank. 10 banks in Texas flagged as at-risk; the state-level rollup reflects average performance across the cohort. Each bank below links to its full BankHealth profile — Tier 1 capital ratio, non-performing loan ratio, liquidity ratio, ROA, multi-quarter trend, and the composite grade breakdown. Cross-bank comparisons within the same state are most useful when controlling for size class.
Texas's Banking Sector
Texas is one of the largest banking jurisdictions in the United States, with 321 FDIC-insured institutions chartered there and $839.6B in combined assets. The state hosts a full spectrum from megabanks down to single-branch community institutions, and likely contributes meaningfully to regulatory data the FDIC and OCC publish quarterly.
Banks in Texas post an average Bank Health Score of 74/100 (B) — solidly in B territory, broadly aligned with U.S. industry norms. Most banks in the state meet the regulatory "well-capitalized" threshold with material room to spare, though there is meaningful variation across individual institutions.
10 of 321 banks in Texas (about 3%) currently land in the at-risk tier on the current Call Report. That count is roughly in line with national norms, and reflects the natural tail of any large cohort rather than a state-specific concentration.
Healthiest Banks in Texas
Arrowhead Bank
Zavala County Bank
Texas State Bank
Texas Community Bank
Titan Bank N A
Grandview Bank
Big Bend Banks N A
First Command Bank
First Nb of Stanton
Trinity Bank N A
Banks Showing Weakness in Texas
Mint National Bank
Security State Bank
Cowboy Bank of Texas
State Bank of Texas
Cendera Bank National Assn
Texas Republic Bank NA
United Texas Bank
Transpecos Banks SSB
Texas Champion Bank
First Fed Bk Littlefield Tx
For Texas Depositors
FDIC insurance protects deposits at every bank on this page up to $250,000 per depositor, per insured bank, per ownership category — identical coverage regardless of state. The Bank Health Score ranks regulatory cushion across institutions; it is not a guarantee. Confirm your bank's FDIC status and your specific coverage at FDIC.gov before making changes.
Federal regulators — including the OCC for national charters and the FDIC for state-chartered insured banks — oversee the institutions on this page. Quarterly FFIEC Call Reports are public and provide line-item detail behind every metric here.
How These Scores Are Calculated
Every bank on this page earns a Bank Health Score from four FDIC Call Report inputs: Tier 1 capital ratio (35%), NPL ratio inverted (30%), liquidity ratio (25%), and return on assets (10%). The composite is reported as a 0–100 score and an A–F grade. Read the full methodology.
Frequently Asked Questions
How many banks are in Texas?
321 FDIC-insured banks are chartered in Texas, holding $839.6B in combined assets. Texas is one of the largest banking jurisdictions in the United States, with 321 FDIC-insured institutions chartered there and $839.6B in combined assets. The state hosts a full spectrum from megabanks down to single-branch community institutions, and likely contributes meaningfully to regulatory data the FDIC and OCC publish quarterly.
What is the average bank health score in Texas?
Banks in Texas post an average Bank Health Score of 74/100 (B) — solidly in B territory, broadly aligned with U.S. industry norms. Most banks in the state meet the regulatory "well-capitalized" threshold with material room to spare, though there is meaningful variation across individual institutions.
Which banks in Texas are showing the most stress?
10 of 321 banks in Texas (about 3%) currently land in the at-risk tier on the current Call Report. That count is roughly in line with national norms, and reflects the natural tail of any large cohort rather than a state-specific concentration. See the "Banks Showing Weakness" section above for the specific institutions and their Health Score factors.
Are banks in Texas FDIC-insured?
Yes. Every bank on this page is FDIC-insured, which protects deposits up to $250,000 per depositor, per insured bank, per ownership category. FDIC insurance is identical regardless of state. Verify your bank's status and your specific coverage at FDIC.gov, particularly if you hold combined balances above the $250,000 limit.
Where does this data come from?
All bank financials are pulled from the FDIC BankFind API, which sources directly from quarterly Call Reports filed with the FFIEC. Health Scores are computed from a transparent four-factor formula using public Call Report fields. All data is U.S. government public domain.
Sources: FDIC BankFind API ( banks.data.fdic.gov); FFIEC Call Reports ( cdr.ffiec.gov/public); OCC ( occ.gov). Public domain.
Last updated 2026-04-06 · Data covers 321 Texas banks. Informational only; not investment advice.