Updated June 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 85/100 (A), built from quarterly FDIC Call Report data on capital, loan quality, liquidity, and profitability.
Texas has 321 FDIC-insured banks headquartered in the state, holding $839.6B in total assets. The average BankHealth composite score across Texas banks runs 85/100 (average grade A) — favorable territory for a state-level rollup.
The largest bank by total assets in Texas is Arrowhead Bank. 10 banks are flagged as at-risk under the BankHealth rubric — typically a low share for a state with strong average scores. 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 are healthy on average — the cohort posts a Bank Health Score of 85/100 (A), comfortably stronger than the national bank median. State-level averages of this caliber typically reflect a combination of conservative underwriting, diversified loan books, and strong capital cushions. That said, dispersion across individual banks is always wider than the average suggests; specific bank profiles still warrant individual review.
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
Bk San Jacinto Cnty Coldspri
Texas Community Bank
Citizens Nb of Crosbyton
Titan Bank N A
Grandview Bank
Big Bend Banks N A
First Command Bank
Banks Showing Weakness in Texas
Mint National Bank
Colonial Savings Fa
First Capital Bank
R Bank
Alliance Bank Central Texas
Texas Heritage National Bank
Nbt Financial Bank
Texana Bank National Assn
Transpecos Banks SSB
Oakwood Bank
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 are healthy on average — the cohort posts a Bank Health Score of 85/100 (A), comfortably stronger than the national bank median. State-level averages of this caliber typically reflect a combination of conservative underwriting, diversified loan books, and strong capital cushions. That said, dispersion across individual banks is always wider than the average suggests; specific bank profiles still warrant individual review.
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 2026-06-29 · Data covers 321 Texas banks. Informational only; not investment advice.