Updated April 2026 · FDIC Call Report Q2 2024
B-Rated Banks in Texas
53 banks · Average score: 71/100 · Combined assets $115.6B
53 banks in this state currently hold B grades, averaging a composite score of 71/100. 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 13.33% and an NPL ratio of 0.92%, sourced from the most recent FDIC quarterly Call Report.
53 Texas banks hold a B grade (71/100 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.
What "B" Means in Practice
B-graded banks in Texas are healthy mid-tier institutions — composite scores of 65–79. Currently 53 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 | 53 |
| Combined assets | $115.6B |
| Average composite score | 71/100 |
| Average Tier 1 capital ratio | 13.33% |
| Average NPL ratio | 0.92% |
All B-Graded Banks in Texas
| # | Bank | City | Score | Assets | Tier 1 Capital | NPL Ratio | Liquidity |
|---|---|---|---|---|---|---|---|
| 1 | Central National Bank | Waco | 79 | $1.2B | 13.18% | 0.10% | 15.91% |
| 2 | City Bank | Lubbock | 79 | $4.2B | 12.86% | 0.75% | 21.07% |
| 3 | Texas Nb of Jacksonville | Jacksonville | 79 | $841M | 14.72% | 0.16% | 14.41% |
| 4 | Southwestern National Bank | Houston | 79 | $1.2B | 13.63% | 0.10% | 16.25% |
| 5 | Tolleson Private Bank | Dallas | 79 | $964M | 12.28% | 0.04% | 19.90% |
| 6 | Guadalupe Bank | Kerrville | 79 | $251M | 11.55% | 0.00% | 18.56% |
| 7 | Homebank Texas | Seagoville | 78 | $327M | 15.94% | 0.53% | 10.80% |
| 8 | Stellar Bank | Houston | 78 | $10.7B | 13.08% | 0.66% | 19.76% |
| 9 | State National Bank | Groom | 77 | $44M | 27.15% | 0.56% | 20.33% |
| 10 | Firstbank Southwest | Amarillo | 77 | $1.8B | 12.24% | 0.54% | 20.64% |
| 11 | Global One Bank | Houston | 76 | $165M | 19.02% | 0.00% | 11.41% |
| 12 | Texas Bank&Trust Co | Longview | 76 | $4.3B | 12.79% | 0.14% | 16.02% |
| 13 | Plainscapital Bank | University Park | 74 | $12.7B | 15.58% | 2.51% | 23.14% |
| 14 | Capital Bank | Jacinto City | 74 | $620M | 12.31% | 0.00% | 14.40% |
| 15 | Golden Bank National Assn | Houston | 74 | $1.9B | 14.39% | 1.49% | 14.75% |
| 16 | Spectra Bank | Fort Worth | 74 | $84M | 8.39% | 0.36% | 35.91% |
| 17 | Susser Bank | Dallas | 74 | $2.3B | 11.11% | 0.67% | 22.59% |
| 18 | Captex Bank | Fort Worth | 74 | $342M | 13.55% | 0.00% | 13.91% |
| 19 | Worthington Bank | Arlington | 74 | $591M | 10.94% | 0.02% | 20.96% |
| 20 | Lone Star Bank | Houston | 74 | $162M | 16.89% | 0.37% | 10.96% |
| 21 | Dominion Bank | Dallas | 73 | $528M | 12.58% | 0.00% | 13.33% |
| 22 | Maplemark Bank | Dallas | 73 | $1.1B | 12.44% | 0.25% | 17.59% |
| 23 | First Nb of Mcgregor | Mc Gregor | 73 | $918M | 12.75% | 0.88% | 18.98% |
| 24 | First Nb of Tom Bean | Tom Bean | 73 | $141M | 16.28% | 0.90% | 11.74% |
| 25 | T Bank National Assn | Dallas | 73 | $769M | 18.17% | 1.71% | 14.37% |
| 26 | Woodforest National Bank | The Woodlands | 72 | $9.3B | 10.34% | 1.11% | 21.92% |
| 27 | First Federal Cmty Bank SSB | Paris | 71 | $559M | 16.80% | 1.29% | 12.54% |
| 28 | Classic Bank National Assn | Cameron | 71 | $686M | 12.23% | 0.00% | 12.78% |
| 29 | Keystone Bank SSB | Austin | 71 | $926M | 11.92% | 0.50% | 16.03% |
| 30 | Veritex Community Bank | Dallas | 71 | $12.6B | 11.85% | 0.60% | 15.90% |
| 31 | Beal Bank | Plano | 70 | $4.8B | 70.47% | 6.05% | 73.45% |
| 32 | American First National Bank | Houston | 70 | $2.7B | 13.89% | 1.34% | 11.38% |
| 33 | Austin Capital Bank SSB | Austin | 70 | $368M | 39.77% | 0.05% | 10.52% |
| 34 | Sundown State Bank | Sundown | 69 | $255M | 11.54% | 0.00% | 8.58% |
| 35 | Texas Partners Bank | San Antonio | 69 | $2.3B | 10.74% | 0.01% | 16.35% |
| 36 | Third Coast Bank | Humble | 69 | $4.5B | 12.52% | 0.65% | 11.84% |
| 37 | Gulf Capital Bank | Houston | 69 | $546M | 19.43% | 3.69% | 56.96% |
| 38 | Amarillo National Bank | Amarillo | 67 | $9.2B | 10.68% | 1.21% | 17.90% |
| 39 | American National Bank&Trust | Wichita Falls | 67 | $2.2B | 12.20% | 1.27% | 16.98% |
| 40 | Tbk Bank SSB | Dallas | 67 | $5.8B | 14.96% | 2.00% | 14.62% |
| 41 | First Nb of Hughes Springs | Hughes Springs | 67 | $310M | 16.37% | 4.16% | 22.04% |
| 42 | First Nb of Hereford | Hereford | 67 | $291M | 11.17% | 0.83% | 12.39% |
| 43 | Sunflower Bank National Assn | Dallas | 67 | $8.0B | 12.33% | 1.00% | 13.32% |
| 44 | Wellington State Bank | Wellington | 66 | $570M | 12.63% | 3.58% | 32.00% |
| 45 | Muenster State Bank | Muenster | 65 | $208M | 0.00% | 0.00% | 64.14% |
| 46 | Bk San Jacinto Cnty Coldspri | Coldspring | 65 | $46M | 0.00% | 0.00% | 71.45% |
| 47 | Valuebank Texas | Corpus Christi | 65 | $310M | 0.00% | 0.00% | 43.19% |
| 48 | First Nb of Burleson | Burleson | 65 | $261M | 0.00% | 0.00% | 57.66% |
| 49 | Bandera Bank | Bandera | 65 | $93M | 0.00% | 0.00% | 46.61% |
| 50 | Citizens Nb of Crosbyton | Crosbyton | 65 | $65M | 0.00% | 0.00% | 71.93% |
| 51 | Karnes Cnty Nb of Karnes Cty | Karnes City | 65 | $519M | 20.66% | 6.57% | 49.25% |
| 52 | Legacy Trust Co N A | Houston | 65 | $34M | 0.00% | 0.00% | 74.72% |
| 53 | First Finl Trust&Asset Mgnt | Abilene | 65 | $64M | 0.00% | 0.00% | 90.33% |
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?
B-graded banks in Texas are healthy mid-tier institutions — composite scores of 65–79. Currently 53 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.
How many B-graded banks are in Texas?
53 banks in this state currently hold B grades, averaging a composite score of 71/100. 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.
What does this tier look like financially?
Across 53 B-graded banks in Texas, the average Tier 1 capital ratio is 13.33% and the average nonperforming-loan ratio is 0.92%. Combined assets in this cohort total $115.6B. These numbers come straight from the most recent quarterly FDIC Call Report.
Are deposits at B-graded banks still FDIC-insured?
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.
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.
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 · 53 B-graded banks in Texas. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.