Updated June 2026 · FDIC Call Report Q2 2024

B-Rated Banks in Texas

83 banks · Average score: 73/100 · Combined assets $137.3B

83 banks in this state currently hold B grades, averaging a composite score of 73/100. 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 13.50% and an NPL ratio of 1.05%, sourced from the most recent FDIC quarterly Call Report.

83 Texas banks hold a B grade (73/100 average score). B-grade banks sit comfortably above the national median across most factors but lack the cushion of A-grade peers on one or more dimensions.

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 B-grade banks by health score with links to each bank's full profile.

A B CDF

What "B" Means in Practice

B-graded banks in Texas are healthy mid-tier institutions — composite scores of 65–79. Currently 83 banks fit this category. The typical B-graded bank meets all regulatory thresholds with comfortable margin: solid capital, manageable loan losses, adequate liquidity. Most U.S. banks land in B territory; it's the workhorse middle of the distribution, not a warning sign.

For depositors: B-graded institutions are the broad middle of the U.S. banking system — solidly healthy and well within regulatory norms. FDIC insurance covers deposits up to $250,000 per depositor, per insured bank, per ownership category. No grade-based action needed; verify coverage at FDIC.gov if balances approach the limit.

Tier-Wide Snapshot in Texas

Banks in this grade tier	83
Combined assets	$137.3B
Average composite score	73/100
Average Tier 1 capital ratio	13.50%
Average NPL ratio	1.05%

All B-Graded Banks in Texas

#	Bank	City	Score	Assets	Tier 1 Capital	NPL Ratio	Liquidity
1	Castroville State Bank	Castroville	79	$268M	9.58%	0.32%	33.58%
2	Central National Bank	Waco	79	$1.2B	13.18%	0.10%	15.91%
3	Lamar National Bank	Paris	79	$391M	9.78%	0.13%	30.33%
4	City Bank	Lubbock	79	$4.2B	12.86%	0.75%	21.07%
5	Texas Nb of Jacksonville	Jacksonville	79	$841M	14.72%	0.16%	14.41%
6	First Nb of Aspermont	Aspermont	79	$115M	9.65%	0.15%	67.26%
7	First Nb of Bellville	Bellville	79	$770M	10.69%	0.14%	63.98%
8	First Texas National Bank	Floydada	79	$159M	11.61%	0.64%	21.97%
9	Southwestern National Bank	Houston	79	$1.2B	13.63%	0.10%	16.25%
10	Tolleson Private Bank	Dallas	79	$964M	12.28%	0.04%	19.90%
11	Guadalupe Bank	Kerrville	79	$251M	11.55%	0.00%	18.56%
12	Citizens Nb at Brownwood	Brownwood	78	$293M	10.32%	0.73%	59.70%
13	Security State Bank&Trust	Fredericksburg	78	$1.9B	10.86%	0.45%	21.86%
14	Homebank Texas	Seagoville	78	$327M	15.94%	0.53%	10.80%
15	First Nb of Shiner	Shiner	78	$877M	11.08%	0.44%	75.20%
16	First Nb of Trinity	Trinity	78	$88M	9.85%	0.56%	46.90%
17	Stellar Bank	Houston	78	$10.7B	13.08%	0.66%	19.76%
18	Southwest Bank	Odessa	77	$658M	11.33%	1.08%	23.28%
19	North Dallas Bank&Trust Co	Dallas	77	$1.8B	9.57%	0.00%	29.14%
20	First Nb of S Padre Isl	South Padre Isla	77	$78M	11.17%	2.08%	58.91%
21	First Nb of Giddings	Giddings	77	$315M	10.47%	0.65%	26.93%
22	State National Bank	Groom	77	$44M	27.15%	0.56%	20.33%
23	Firstbank Southwest	Amarillo	77	$1.8B	12.24%	0.54%	20.64%
24	Global One Bank	Houston	76	$165M	19.02%	0.00%	11.41%
25	First State Bank of Texas	Orange	76	$285M	10.31%	0.66%	23.97%
26	Texas Bank&Trust Co	Longview	76	$4.3B	12.79%	0.14%	16.02%
27	Fayetteville Bank	Fayetteville	76	$689M	9.82%	0.00%	78.90%
28	Plainscapital Bank	University Park	74	$12.7B	15.58%	2.51%	23.14%
29	Capital Bank	Jacinto City	74	$620M	12.31%	0.00%	14.40%
30	Golden Bank National Assn	Houston	74	$1.9B	14.39%	1.49%	14.75%
31	Spectra Bank	Fort Worth	74	$84M	8.39%	0.36%	35.91%
32	First Nb of Anderson	Anderson	74	$210M	11.65%	2.24%	28.87%
33	Susser Bank	Dallas	74	$2.3B	11.11%	0.67%	22.59%
34	Captex Bank	Fort Worth	74	$342M	13.55%	0.00%	13.91%
35	Worthington Bank	Arlington	74	$591M	10.94%	0.02%	20.96%
36	Lone Star Bank	Houston	74	$162M	16.89%	0.37%	10.96%
37	Frontier Bank of Texas	Elgin	74	$841M	10.11%	0.06%	18.39%
38	Schertz Bank&Trust	Schertz	73	$880M	10.20%	0.03%	18.88%
39	Dominion Bank	Dallas	73	$528M	12.58%	0.00%	13.33%
40	Cowboy Bank of Texas	Maypearl	73	$101M	16.13%	2.09%	15.76%
41	Ennis State Bank	Ennis	73	$394M	8.98%	0.09%	24.51%
42	United Texas Bank	Dallas	73	$1.0B	14.48%	3.89%	46.62%
43	Broadstreet Bank SSB	Mineola	73	$451M	10.13%	0.44%	28.37%
44	Clear Fork Bank NA	Albany	73	$825M	10.56%	0.26%	18.06%
45	Maplemark Bank	Dallas	73	$1.1B	12.44%	0.25%	17.59%
46	First Nb of Mcgregor	Mc Gregor	73	$918M	12.75%	0.88%	18.98%
47	First Nb of Tom Bean	Tom Bean	73	$141M	16.28%	0.90%	11.74%
48	T Bank National Assn	Dallas	73	$769M	18.17%	1.71%	14.37%
49	Crossroads Bank	Yoakum	72	$318M	11.34%	2.87%	37.05%
50	Powell State Bank	Powell	72	$32M	10.33%	1.40%	39.94%
51	Texas Bank	Henderson	72	$826M	10.37%	0.32%	19.25%
52	Woodforest National Bank	The Woodlands	72	$9.3B	10.34%	1.11%	21.92%
53	Austin County State Bank	Bellville	72	$384M	10.00%	0.39%	18.15%
54	West Texas State Bank	Snyder	71	$296M	11.14%	2.14%	24.15%
55	Dallas Capital Bank NA	Dallas	71	$1.2B	10.71%	0.00%	18.24%
56	State Bank of Texas	Irving	71	$2.7B	14.01%	2.07%	16.13%
57	First Federal Cmty Bank SSB	Paris	71	$559M	16.80%	1.29%	12.54%
58	Interstate Bank	Perryton	71	$264M	9.60%	1.87%	29.87%
59	Classic Bank National Assn	Cameron	71	$686M	12.23%	0.00%	12.78%
60	First Nb of Quitaque	Quitaque	71	$138M	10.04%	2.67%	54.84%
61	Keystone Bank SSB	Austin	71	$926M	11.92%	0.50%	16.03%
62	Veritex Community Bank	Dallas	71	$12.6B	11.85%	0.60%	15.90%
63	Cendera Bank National Assn	Bells	70	$194M	13.52%	0.40%	13.81%
64	Beal Bank	Plano	70	$4.8B	70.47%	6.05%	73.45%
65	American First National Bank	Houston	70	$2.7B	13.89%	1.34%	11.38%
66	First Nb&T Co of Weatherford	Weatherford	70	$1.0B	9.82%	0.74%	21.43%
67	Austin Capital Bank SSB	Austin	70	$368M	39.77%	0.05%	10.52%
68	Sundown State Bank	Sundown	69	$255M	11.54%	0.00%	8.58%
69	First Nb of East Texas	Gilmer	69	$547M	9.85%	0.51%	22.01%
70	Texas Partners Bank	San Antonio	69	$2.3B	10.74%	0.01%	16.35%
71	Third Coast Bank	Humble	69	$4.5B	12.52%	0.65%	11.84%
72	Gulf Capital Bank	Houston	69	$546M	19.43%	3.69%	56.96%
73	Security State Bank	Farwell	67	$273M	13.27%	2.90%	19.13%
74	Amarillo National Bank	Amarillo	67	$9.2B	10.68%	1.21%	17.90%
75	American National Bank&Trust	Wichita Falls	67	$2.2B	12.20%	1.27%	16.98%
76	Tbk Bank SSB	Dallas	67	$5.8B	14.96%	2.00%	14.62%
77	First Nb of Hughes Springs	Hughes Springs	67	$310M	16.37%	4.16%	22.04%
78	First Nb of Hereford	Hereford	67	$291M	11.17%	0.83%	12.39%
79	Sunflower Bank National Assn	Dallas	67	$8.0B	12.33%	1.00%	13.32%
80	Bank of Brenham NA	Brenham	67	$671M	9.72%	1.43%	76.48%
81	Wellington State Bank	Wellington	66	$570M	12.63%	3.58%	32.00%
82	Karnes Cnty Nb of Karnes Cty	Karnes City	65	$519M	20.66%	6.57%	49.25%
83	Texas Republic Bank NA	Frisco	65	$486M	11.84%	1.56%	14.99%

For Depositors at B-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 B grade mean for a bank?

How many B-graded banks are in Texas?

What does this tier look like financially?

Across 83 B-graded banks in Texas, the average Tier 1 capital ratio is 13.50% and the average nonperforming-loan ratio is 1.05%. Combined assets in this cohort total $137.3B. These numbers come straight from the most recent quarterly FDIC Call Report.

Are deposits at B-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 B 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 2026-06-29 · 83 B-graded banks in Texas. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.