Updated April 2026 · FDIC Call Report Q2 2024

A-Rated Banks in Texas

149 banks · Average score: 91/100 · Combined assets $672.5B

149 banks in this state currently hold A grades, averaging a composite score of 91/100. Within the tier, individual bank profiles still vary materially on which factor is driving the grade — review the table below for the per-bank breakdown. The tier averages a Tier 1 capital ratio of 21.15% and an NPL ratio of 0.44%, sourced from the most recent FDIC quarterly Call Report.

149 Texas banks earn an A grade on the BankHealth composite, with an average score of 91/100. A-grade banks combine strong Tier 1 capital, clean loan books, comfortable liquidity, and solid ROA.

State-and-grade combinations help depositors and policy researchers identify clusters of banking health (or stress) within a specific geography. The list below ranks Texas A-grade banks by health score with links to each bank's full profile.

A B C D F

What "A" Means in Practice

A-graded banks in Texas are the strongest tier — institutions with composite Bank Health Scores of 80 or higher across capital, loan quality, liquidity, and profitability. Currently 149 banks chartered in Texas qualify. A grades typically reflect well-above-regulatory capital cushions (often 12%+ Tier 1), sub-1% nonperforming loans, and ample liquidity buffers. Many A-graded banks are conservatively run community institutions or specialty banks with focused, lower-risk loan portfolios.

For depositors: A-graded institutions face less probability of regulatory action than peers, all else equal. That said, FDIC insurance — not the bank's grade — protects deposits up to $250,000 per depositor, per insured bank, per ownership category. The grade describes regulatory cushion; insurance describes guaranteed protection.

Tier-Wide Snapshot in Texas

Banks in this grade tier	149
Combined assets	$672.5B
Average composite score	91/100
Average Tier 1 capital ratio	21.15%
Average NPL ratio	0.44%

All A-Graded Banks in Texas

#	Bank	City	Score	Assets	Tier 1 Capital	NPL Ratio	Liquidity
1	Arrowhead Bank	Llano	100	$287M	17.42%	0.00%	38.13%
2	Zavala County Bank	Crystal City	100	$77M	63.42%	0.00%	84.80%
3	Texas State Bank	San Angelo	100	$402M	19.41%	0.00%	34.86%
4	Texas Community Bank	Laredo	100	$2.0B	24.72%	0.04%	44.73%
5	Titan Bank N A	Mineral Wells	100	$578M	22.90%	0.07%	48.93%
6	Grandview Bank	Grandview	100	$642M	16.21%	0.02%	31.15%
7	Big Bend Banks N A	Marfa	100	$156M	38.37%	0.00%	82.33%
8	First Command Bank	Fort Worth	100	$1.0B	17.44%	0.07%	54.43%
9	First Nb of Stanton	Stanton	100	$375M	32.47%	0.00%	68.85%
10	Trinity Bank N A	Fort Worth	100	$463M	16.20%	0.00%	33.42%
11	Charles Schwab Trust Bank	Westlake	100	$9.5B	92.79%	0.00%	97.23%
12	Columbus State Bank	Columbus	99	$152M	32.00%	0.00%	95.92%
13	Kress National Bank	Kress	99	$50M	24.10%	0.00%	63.98%
14	Tib National Assn	Farmers Branch	99	$2.9B	17.31%	0.02%	35.45%
15	First Nb of Dublin	Dublin	99	$128M	15.88%	0.10%	30.49%
16	Menard Bank	Menard	99	$79M	20.39%	0.00%	83.81%
17	First Nb of Mertzon	Mertzon	99	$506M	75.85%	0.09%	83.99%
18	First Texas Bank	Georgetown	98	$882M	19.52%	0.00%	61.52%
19	Pointwest Bank	West	98	$132M	28.44%	0.00%	59.19%
20	Junction National Bank	Junction	98	$87M	33.72%	0.04%	76.30%
21	Tejas Bank	Monahans	98	$232M	17.25%	0.26%	31.68%
22	Sage Capital Bank	Gonzales	98	$664M	16.93%	0.00%	38.77%
23	Sanger Bank	Sanger	98	$200M	24.28%	0.00%	31.12%
24	First National Bank of Anson	Anson	98	$71M	15.69%	0.26%	35.59%
25	First Nb of Ballinger	Ballinger	98	$256M	15.73%	0.08%	34.98%
26	Peoples State Bank	Shepherd	97	$174M	19.93%	0.07%	53.57%
27	Bank&Trust SSB	Del Rio	97	$526M	17.63%	0.01%	29.00%
28	Hill Bank&Trust Co	Weimar	97	$149M	34.47%	0.00%	90.60%
29	Southtrust Bank N A	George West	97	$551M	17.91%	0.10%	35.64%
30	First State Bank of Odem	Odem	97	$195M	28.40%	0.52%	45.75%
31	Southside Bank	Tyler	97	$8.4B	15.26%	0.13%	37.16%
32	Charter Bank	Corpus Christi	97	$298M	16.47%	0.55%	36.87%
33	Falcon International Bank	Laredo	97	$2.0B	20.27%	0.56%	35.41%
34	First Bank of Celeste	Celeste	97	$78M	18.67%	0.00%	61.61%
35	First Nb of Sterling City	Sterling City	97	$223M	36.93%	0.00%	82.99%
36	Pegasus Bank	Dallas	97	$1.3B	14.86%	0.01%	34.11%
37	Buckholts State Bank	Buckholts	96	$118M	25.85%	0.64%	33.42%
38	Commercial Bank of Texas NA	Nacogdoches	96	$1.4B	14.71%	0.10%	29.12%
39	Mcbank	Goldthwaite	96	$420M	19.51%	0.24%	51.79%
40	Prosperity Bank	El Campo	96	$39.8B	15.35%	0.38%	33.23%
41	Brady National Bank	Brady	96	$137M	18.07%	0.00%	41.63%
42	First National Bank of Lipan	Lipan	96	$27M	28.99%	0.00%	60.32%
43	First Nb of Livingston	Livingston	96	$492M	32.99%	0.03%	56.39%
44	Charles Schwab Premier Bk Ss	Westlake	96	$25.5B	56.34%	0.00%	94.18%
45	Normangee State Bank	Normangee	96	$148M	29.03%	0.08%	40.74%
46	First Security State Bank	Cranfills Gap	95	$169M	17.79%	0.01%	53.48%
47	First Commercial Bank NA	Seguin	95	$491M	15.10%	0.02%	28.05%
48	Boc Bank	Mclean	95	$201M	16.04%	0.00%	32.05%
49	Texas Traditions Bank	Katy	95	$240M	20.24%	0.00%	30.59%
50	Donley County State Bank	Clarendon	94	$46M	54.42%	0.41%	79.11%
51	Community Nb&T of Texas	Corsicana	94	$1.3B	15.21%	0.05%	25.59%
52	Pavillion Bank	Richardson	94	$69M	22.70%	0.00%	23.88%
53	Lone Star National Bank	Pharr	94	$3.0B	20.90%	0.58%	44.83%
54	Rio Bank	Mcallen	94	$884M	15.19%	0.47%	39.40%
55	First Nb of Bastrop	Bastrop	94	$947M	19.42%	0.21%	39.49%
56	Brenham National Bank	Brenham	94	$477M	17.43%	0.19%	47.20%
57	Liberty Capital Bank	Addison	94	$415M	15.96%	0.00%	28.20%
58	Haskell National Bank	Haskell	93	$74M	28.91%	0.00%	60.52%
59	Txn Bank	Hondo	93	$655M	16.33%	0.09%	45.92%
60	Hometown Bank National Assn	Galveston	93	$949M	16.24%	0.14%	38.94%
61	Texas Exchange Bank	Crowley	93	$3.9B	19.90%	1.25%	36.95%
62	Bank of the West	Grapevine	93	$778M	14.64%	0.69%	37.24%
63	Citizens Nb of Hillsboro	Hillsboro	93	$212M	30.88%	0.13%	68.99%
64	Jacksboro National Bank	Jacksboro	93	$309M	18.56%	0.12%	46.29%
65	Kleberg Bank N A	Kingsville	93	$694M	13.84%	0.15%	29.57%
66	Charles Schwab Bank SSB	Westlake	93	$273.8B	39.89%	0.05%	81.68%
67	Texas Heritage Bank	Boerne	92	$225M	14.71%	0.24%	28.60%
68	Bridge City State Bank	Bridge City	92	$212M	23.79%	0.81%	52.55%
69	Community National Bank	Midland	92	$2.2B	13.71%	0.47%	28.00%
70	City Nb of Colorado City	Colorado City	92	$279M	18.15%	0.32%	27.26%
71	Cypress Bank SSB	Pittsburg	92	$231M	17.89%	0.26%	29.18%
72	Shelby Savings Bank SSB	Center	92	$412M	15.48%	0.12%	25.24%
73	Verabank National Assn	Henderson	92	$4.1B	14.65%	0.29%	26.69%
74	Horizon Bank SSB	Austin	92	$2.4B	12.62%	0.00%	32.14%
75	First Nb of Central Texas	Waco	92	$1.6B	15.36%	0.34%	24.08%
76	Extraco Banks National Assn	Temple	92	$2.4B	14.12%	0.10%	44.31%
77	Fannin Bank	Bonham	92	$140M	14.34%	0.24%	35.69%
78	First Stb of San Diego	San Diego	91	$73M	23.97%	0.70%	71.39%
79	Victory Bank	Lubbock	91	$149M	34.37%	0.13%	42.39%
80	Texas First Bank	Texas City	91	$2.2B	13.66%	0.28%	39.43%
81	Dalhart Fs&la SSB	Dalhart	91	$140M	23.67%	0.00%	34.01%
82	Ciera Bank	Graham	91	$903M	13.65%	0.10%	27.58%
83	First Nb of Hebbronville	Hebbronville	91	$83M	45.97%	0.61%	59.01%
84	Ozona Bank	Ozona	91	$363M	22.98%	0.57%	60.09%
85	Frost Bank	San Antonio	91	$48.9B	13.56%	0.44%	52.77%
86	Spur Security Bank	Spur	90	$89M	22.08%	0.00%	41.52%
87	Coleman County State Bank	Coleman	90	$208M	13.74%	0.60%	29.02%
88	Pilgrim Bank	Pittsburg	90	$693M	14.77%	0.04%	25.53%
89	Citizens 1st Bank	Tyler	90	$728M	37.54%	0.96%	42.12%
90	First Nb of Lake Jackson	Lake Jackson	90	$236M	43.55%	0.00%	86.10%
91	Lovelady State Bank	Lovelady	90	$50M	22.82%	1.41%	45.55%
92	Spring Hill State Bank	Longview	90	$240M	24.71%	0.19%	22.74%
93	Texas National Bank	Mercedes	90	$841M	15.95%	0.64%	27.66%
94	Texasbank	Brownwood	89	$2.3B	16.87%	0.76%	24.41%
95	Greater State Bank	Mcallen	89	$163M	13.82%	0.05%	25.11%
96	Wells Fargo Bank S Cntl NA	Houston	89	$3.8B	53.33%	1.39%	37.44%
97	First United Bank	Dimmitt	88	$2.2B	15.50%	1.66%	32.30%
98	Broadway National Bank	San Antonio	88	$5.7B	13.30%	0.53%	36.00%
99	Commercial Nb of Texarkana	Texarkana	88	$307M	14.13%	0.00%	22.82%
100	American Nb of Texas	Terrell	88	$5.5B	13.01%	0.12%	39.32%
101	Texas Regional Bank	Harlingen	88	$2.7B	13.48%	0.35%	36.98%
102	Trusttexas Bank SSB	Cuero	88	$391M	21.95%	0.31%	48.32%
103	Lamesa National Bank	Lamesa	88	$384M	28.22%	1.37%	77.98%
104	First Bank&Trust of Memphis	Memphis	88	$72M	17.97%	1.98%	31.32%
105	City National Bank of Taylor	Taylor	88	$240M	26.22%	0.79%	38.15%
106	Texas Advantage Cmty Bank NA	Alvin	88	$196M	17.90%	1.04%	38.10%
107	Commercial State Bank	Palmer	87	$113M	24.19%	2.16%	58.00%
108	American Bank of Commerce	Wolfforth	87	$1.4B	12.91%	0.38%	32.15%
109	International Bk of Com	Laredo	87	$8.7B	19.11%	0.96%	22.51%
110	Nexbank	Dallas	87	$15.3B	13.70%	1.11%	29.87%
111	First Nb of Bosque County	Valley Mills	87	$175M	15.63%	1.34%	25.52%
112	First State Bank of Uvalde	Uvalde	87	$1.9B	28.45%	1.71%	61.26%
113	Guaranty Bank&Trust N A	Mount Pleasant	86	$3.1B	14.82%	0.28%	20.80%
114	Southstar Bank SSB	Moulton	86	$1.2B	17.15%	0.16%	18.37%
115	Inwood National Bank	Dallas	86	$4.6B	13.72%	0.74%	44.29%
116	West Texas National Bank	Midland	86	$2.4B	13.88%	1.56%	36.96%
117	Graham Savings&Loan SSB	Graham	86	$162M	17.34%	0.24%	24.84%
118	Angelina Savings Bank SSB	Lufkin	86	$81M	24.28%	1.98%	52.10%
119	City Nb of Sulphur Springs	Sulphur Springs	86	$1.3B	14.16%	1.00%	25.29%
120	Herring Bank	Amarillo	86	$496M	16.60%	0.27%	23.91%
121	Community B&T Waco Texas	Waco	85	$631M	22.44%	1.73%	35.68%
122	Bank of Texas	Midland	85	$548M	13.97%	0.43%	20.59%
123	American Bank National Assn	Corpus Christi	85	$2.5B	12.72%	0.29%	27.80%
124	Commercial Nb of Brady	Brady	85	$320M	11.80%	0.24%	25.21%
125	First National Bank Texas	Killeen	85	$4.2B	21.25%	1.80%	49.83%
126	Pointbank	Pilot Point	85	$1.0B	14.63%	1.59%	46.10%
127	Lone Star Capital Bank NA	San Antonio	85	$512M	12.77%	0.19%	30.80%
128	Harmony Bank	Dallas	85	$823M	12.66%	0.14%	26.30%
129	Vista Bank	Dallas	83	$2.2B	13.60%	0.22%	20.98%
130	Cornerstone Capital Bank SSB	Roscoe	83	$2.3B	26.85%	1.99%	36.38%
131	Citizens Bank National Assn	Abilene	83	$131M	12.80%	1.03%	36.10%
132	National Bank of Andrews	Andrews	83	$295M	13.51%	0.12%	17.95%
133	Benchmark Bank	Plano	83	$1.1B	12.93%	0.11%	21.50%
134	Fayette Savings Bank SSB	La Grange	83	$458M	15.26%	0.60%	19.72%
135	Weststar Bank	El Paso	83	$3.3B	12.18%	0.86%	27.06%
136	American Momentum Bank	College Station	83	$2.6B	19.15%	0.66%	17.28%
137	First-Lockhart National Bank	Lockhart	82	$383M	12.80%	0.02%	23.76%
138	Unity Nb of Houston	Houston	82	$227M	15.79%	3.08%	42.68%
139	Gilmer Nb Gilmer Texas	Gilmer	82	$336M	15.28%	1.36%	25.49%
140	Texas Capital Bank	Dallas	82	$29.7B	13.16%	0.39%	24.37%
141	Citizens Nb of Texas	Waxahachie	82	$1.9B	13.84%	0.25%	16.76%
142	Texas Security Bank	Dallas	82	$1.2B	12.82%	0.06%	23.10%
143	Wallis Bank	Wallis	81	$1.3B	11.84%	0.03%	19.64%
144	Anahuac National Bank	Anahuac	81	$241M	24.12%	2.42%	55.81%
145	Legend Bank N A	Bowie	81	$1.1B	12.54%	0.32%	21.19%
146	Incommons Bank N A	Mexia	81	$265M	12.32%	0.50%	24.64%
147	Vantage Bank Texas	San Antonio	81	$4.4B	11.45%	0.60%	25.19%
148	First Nb of Sonora	Sonora	80	$611M	13.03%	0.85%	24.48%
149	Comerica Bank	Dallas	80	$79.6B	11.27%	0.46%	25.84%

For Depositors at A-Graded Banks

FDIC insurance — not the bank's grade — guarantees deposits up to $250,000 per depositor, per insured bank, per ownership category. Verify your bank's status and your specific coverage at FDIC.gov. The Bank Health Score and grade describe regulatory cushion in relative terms; insurance describes guaranteed protection.

For combined balances above $250,000 at a single bank, the FDIC's Electronic Deposit Insurance Estimator (EDIE) calculates exactly which dollars are insured. Account titling — joint, individual, retirement, payable-on-death — affects coverage. Federal regulators including the OCC publish the rules; FDIC.gov is the authoritative consumer source.

How These Grades Are Calculated

Every bank 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 0–100 composite maps to A (80+), B (65–79), C (50–64), D (35–49), and F (under 35). Data flows from the FDIC BankFind API and the FFIEC Call Report archive. Read the full methodology.

Frequently Asked Questions

What does a A grade mean for a bank?

How many A-graded banks are in Texas?

What does this tier look like financially?

Across 149 A-graded banks in Texas, the average Tier 1 capital ratio is 21.15% and the average nonperforming-loan ratio is 0.44%. Combined assets in this cohort total $672.5B. These numbers come straight from the most recent quarterly FDIC Call Report.

Are deposits at A-graded banks still FDIC-insured?

Where does this data come from?

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 FDIC and FFIEC data is U.S. government public domain.

All banks in Texas →All grade A banks nationwide →Healthiest Banks →Methodology →

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 · 149 A-graded banks in Texas. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.