Updated April 2026 · FDIC Call Report Q2 2024
C-Rated Banks in Texas
95 banks · Average score: 57/100 · Combined assets $36.6B
95 banks in this state currently hold C grades, averaging a composite score of 57/100. 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 1.85% and an NPL ratio of 0.51%, sourced from the most recent FDIC quarterly Call Report.
95 Texas banks hold a C grade, averaging 57/100. C-grade banks track close to peer medians — neither standouts nor distressed, but with less cushion against credit-cycle pressure than A-or-B-grade peers.
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 C-grade banks by health score with links to each bank's full profile.
What "C" Means in Practice
C-graded banks in Texas are middle-of-the-pack institutions — composite scores of 50–64 — with at least one factor running notably weaker than peers. Currently 95 banks chartered in Texas carry C grades. The pattern usually reflects either thinner-than-average capital, elevated NPL ratios, or compressed return on assets. Not crisis territory, but a tier where individual bank-level review is warranted.
For depositors: C-graded institutions are not in trouble, but they have at least one weaker factor than peers. FDIC insurance still protects deposits up to $250,000 per depositor, per insured bank, per ownership category. Depositors with combined balances above the limit should verify exact coverage using FDIC's EDIE calculator at FDIC.gov.
Tier-Wide Snapshot in Texas
| Banks in this grade tier | 95 |
| Combined assets | $36.6B |
| Average composite score | 57/100 |
| Average Tier 1 capital ratio | 1.85% |
| Average NPL ratio | 0.51% |
All C-Graded Banks in Texas
| # | Bank | City | Score | Assets | Tier 1 Capital | NPL Ratio | Liquidity |
|---|---|---|---|---|---|---|---|
| 1 | First Nb in Falfurrias | Falfurrias | 64 | $77M | 0.00% | 0.18% | 58.91% |
| 2 | Stockmens Nb in Cotulla | Cotulla | 64 | $104M | 0.00% | 0.00% | 67.33% |
| 3 | American Nb of Mt Pleasant | Mount Pleasant | 64 | $133M | 0.00% | 0.09% | 39.73% |
| 4 | Hightower Trust Co NA | Houston | 64 | $18M | 0.00% | 0.00% | 91.11% |
| 5 | Oakwood Bank | Dallas | 63 | $848M | 10.94% | 0.49% | 11.40% |
| 6 | Pecos County State Bank | Fort Stockton | 63 | $320M | 0.00% | 0.08% | 53.65% |
| 7 | Lytle Stb of Lytle Texas | Lytle | 63 | $113M | 0.00% | 0.00% | 54.87% |
| 8 | First State Bank of Bedias | Bedias | 63 | $196M | 0.00% | 0.41% | 31.17% |
| 9 | Brazos National Bank | Richwood | 63 | $32M | 76.40% | 3.49% | 18.56% |
| 10 | Atascosa Bank | Pleasanton | 63 | $84M | 0.00% | 0.00% | 75.50% |
| 11 | State Nb of Big Spring | Big Spring | 63 | $555M | 0.00% | 0.00% | 78.58% |
| 12 | First National Bank of Evant | Evant | 63 | $175M | 0.00% | 0.03% | 35.65% |
| 13 | First Nb of Huntsville | Huntsville | 63 | $526M | 0.00% | 0.13% | 41.43% |
| 14 | Johnson City Bank | Johnson City | 62 | $139M | 0.00% | 0.07% | 33.02% |
| 15 | Maverick Bank | Fort Davis | 62 | $274M | 0.00% | 0.11% | 59.02% |
| 16 | First National Bank of Moody | Moody | 62 | $53M | 0.00% | 0.00% | 54.35% |
| 17 | Perryton National Bank | Perryton | 62 | $190M | 0.00% | 0.00% | 55.51% |
| 18 | First Nb of Winnsboro | Winnsboro | 62 | $160M | 0.00% | 0.52% | 30.76% |
| 19 | Crowell State Bank | Crowell | 61 | $50M | 0.00% | 0.49% | 49.44% |
| 20 | First State Bank of Burnet | Burnet | 61 | $297M | 0.00% | 0.00% | 58.55% |
| 21 | First Stb of Ben Wheeler Tx | Ben Wheeler | 61 | $188M | 0.00% | 0.00% | 56.21% |
| 22 | First Nb in Port Lavaca | Port Lavaca | 61 | $386M | 0.00% | 0.02% | 37.87% |
| 23 | First Nb in Cooper | Cooper | 61 | $53M | 0.00% | 0.13% | 32.92% |
| 24 | Santa Anna National Bank | Santa Anna | 61 | $63M | 0.00% | 0.47% | 29.23% |
| 25 | Primebank of Texas | Austin | 61 | $192M | 0.00% | 0.00% | 35.43% |
| 26 | State Bank of de Kalb | De Kalb | 60 | $455M | 0.00% | 0.17% | 26.31% |
| 27 | Freedom Bank | Alamo | 60 | $233M | 0.00% | 0.10% | 28.77% |
| 28 | First National Bank of Alvin | Alvin | 60 | $154M | 0.00% | 0.00% | 84.22% |
| 29 | Zapata National Bank | Zapata | 60 | $85M | 0.00% | 0.75% | 52.57% |
| 30 | Texana Bank National Assn | Linden | 60 | $308M | 10.10% | 0.11% | 6.24% |
| 31 | Yoakum National Bank | Yoakum | 60 | $322M | 0.00% | 0.00% | 33.58% |
| 32 | Peoples Stb of Hallettsville | Hallettsville | 59 | $360M | 0.00% | 0.04% | 59.88% |
| 33 | Marion State Bank | Marion | 59 | $139M | 0.00% | 0.56% | 53.37% |
| 34 | First Stb of Livingston | Livingston | 59 | $695M | 0.00% | 0.36% | 64.31% |
| 35 | Pearland State Bank | Pearland | 59 | $192M | 0.00% | 0.33% | 74.06% |
| 36 | Carmine State Bank | Carmine | 59 | $124M | 0.00% | 0.10% | 70.19% |
| 37 | Round Top State Bank | Round Top | 59 | $936M | 0.00% | 0.00% | 27.75% |
| 38 | Nbt Financial Bank | Fort Worth | 59 | $474M | 13.13% | 2.67% | 12.97% |
| 39 | Texas Financial Bank | Eden | 59 | $136M | 0.00% | 0.00% | 66.11% |
| 40 | Farmers Stb of Newcastle | Newcastle | 58 | $51M | 0.00% | 0.32% | 52.45% |
| 41 | Commerce Bank Texas | Stockdale | 58 | $66M | 0.00% | 0.00% | 43.04% |
| 42 | Alliance Bank Central Texas | Woodway | 58 | $932M | 13.91% | 2.12% | 7.84% |
| 43 | Castroville State Bank | Castroville | 58 | $268M | 0.00% | 0.32% | 33.58% |
| 44 | Fidelity Bank of Texas | Waco | 58 | $122M | 0.00% | 0.00% | 42.23% |
| 45 | Lamar National Bank | Paris | 58 | $391M | 0.00% | 0.13% | 30.33% |
| 46 | First Nb of Aspermont | Aspermont | 58 | $115M | 0.00% | 0.15% | 67.26% |
| 47 | Texas Heritage National Bank | Daingerfield | 58 | $725M | 10.22% | 0.01% | 4.13% |
| 48 | First Nb of Eagle Lake | Eagle Lake | 58 | $156M | 0.00% | 0.00% | 25.11% |
| 49 | Newfirst National Bank | El Campo | 58 | $919M | 0.00% | 0.15% | 24.05% |
| 50 | National Bank&Trust | La Grange | 58 | $221M | 0.00% | 0.03% | 41.85% |
| 51 | City Nb of San Saba | San Saba | 58 | $89M | 0.00% | 0.00% | 74.69% |
| 52 | First Stb of Brownsboro | Brownsboro | 57 | $125M | 0.00% | 0.51% | 48.59% |
| 53 | Industry State Bank | Industry | 57 | $850M | 0.00% | 0.01% | 71.24% |
| 54 | North Dallas Bank&Trust Co | Dallas | 57 | $1.8B | 0.00% | 0.00% | 29.14% |
| 55 | First Nb of Trinity | Trinity | 57 | $88M | 0.00% | 0.56% | 46.90% |
| 56 | One World Bank | Dallas | 57 | $218M | 0.00% | 0.00% | 22.39% |
| 57 | First Nb of Fort Stockton | Fort Stockton | 56 | $137M | 0.00% | 0.85% | 35.90% |
| 58 | Bank of South Texas | Mcallen | 56 | $165M | 0.00% | 0.95% | 27.26% |
| 59 | First Nb of Bellville | Bellville | 56 | $770M | 0.00% | 0.14% | 63.98% |
| 60 | First Nb of Granbury | Granbury | 56 | $882M | 0.00% | 0.89% | 40.94% |
| 61 | Waggoner Nb of Vernon | Vernon | 56 | $325M | 0.00% | 1.41% | 37.83% |
| 62 | Ennis State Bank | Ennis | 55 | $394M | 0.00% | 0.09% | 24.51% |
| 63 | Citizens Nb at Brownwood | Brownwood | 55 | $293M | 0.00% | 0.73% | 59.70% |
| 64 | Security Bank of Texas | Crawford | 55 | $134M | 0.00% | 0.13% | 22.16% |
| 65 | Llano National Bank | Llano | 55 | $295M | 0.00% | 0.91% | 40.96% |
| 66 | Bank of Desoto National Assn | De Soto | 55 | $229M | 0.00% | 0.91% | 26.59% |
| 67 | Falls City National Bank | Falls City | 55 | $570M | 0.00% | 1.63% | 72.41% |
| 68 | Fayetteville Bank | Fayetteville | 55 | $689M | 0.00% | 0.00% | 78.90% |
| 69 | Texas Gulf Bank NA | Houston | 55 | $706M | 0.00% | 0.48% | 29.10% |
| 70 | Liberty Nb in Paris | Paris | 55 | $431M | 0.00% | 0.13% | 23.61% |
| 71 | First Capital Bank | Quanah | 55 | $98M | 11.73% | 1.31% | 4.51% |
| 72 | R Bank | Round Rock | 55 | $1.0B | 10.79% | 1.72% | 15.53% |
| 73 | Security State Bank&Trust | Fredericksburg | 54 | $1.9B | 0.00% | 0.45% | 21.86% |
| 74 | Chasewood Bank | Houston | 54 | $88M | 0.00% | 0.00% | 23.58% |
| 75 | First Nb of Giddings | Giddings | 54 | $315M | 0.00% | 0.65% | 26.93% |
| 76 | First Nb of Shiner | Shiner | 54 | $877M | 0.00% | 0.44% | 75.20% |
| 77 | Agility Bank National Assn | Houston | 54 | $83M | 0.00% | 0.02% | 29.08% |
| 78 | First State Bank of Texas | Orange | 53 | $285M | 0.00% | 0.66% | 23.97% |
| 79 | First Nb of S Padre Isl | South Padre Isla | 53 | $78M | 0.00% | 2.08% | 58.91% |
| 80 | First Texas National Bank | Floydada | 53 | $159M | 0.00% | 0.64% | 21.97% |
| 81 | Granger National Bank | Granger | 53 | $44M | 0.00% | 0.34% | 76.18% |
| 82 | Citizens Stb of Luling | Luling | 52 | $70M | 0.00% | 1.19% | 27.76% |
| 83 | First State Bank&Trust Co | Carthage | 52 | $564M | 0.00% | 1.13% | 60.70% |
| 84 | Southwest Bank | Odessa | 52 | $658M | 0.00% | 1.08% | 23.28% |
| 85 | Colonial Savings Fa | Fort Worth | 52 | $1.1B | 18.09% | 3.56% | 10.27% |
| 86 | Moody National Bank | Galveston | 52 | $1.7B | 0.00% | 0.88% | 26.37% |
| 87 | Frontier Bank of Texas | Elgin | 52 | $841M | 0.00% | 0.06% | 18.39% |
| 88 | Schertz Bank&Trust | Schertz | 51 | $880M | 0.00% | 0.03% | 18.88% |
| 89 | Robert Lee State Bank | Robert Lee | 51 | $45M | 0.00% | 1.43% | 63.60% |
| 90 | Broadstreet Bank SSB | Mineola | 51 | $451M | 0.00% | 0.44% | 28.37% |
| 91 | Plains State Bank | Humble | 50 | $852M | 0.00% | 1.33% | 23.35% |
| 92 | Powell State Bank | Powell | 50 | $32M | 0.00% | 1.40% | 39.94% |
| 93 | Clear Fork Bank NA | Albany | 50 | $825M | 0.00% | 0.26% | 18.06% |
| 94 | Interstate Bank | Perryton | 50 | $264M | 0.00% | 1.87% | 29.87% |
| 95 | Austin County State Bank | Bellville | 50 | $384M | 0.00% | 0.39% | 18.15% |
For Depositors at C-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 C grade mean for a bank?
C-graded banks in Texas are middle-of-the-pack institutions — composite scores of 50–64 — with at least one factor running notably weaker than peers. Currently 95 banks chartered in Texas carry C grades. The pattern usually reflects either thinner-than-average capital, elevated NPL ratios, or compressed return on assets. Not crisis territory, but a tier where individual bank-level review is warranted.
How many C-graded banks are in Texas?
95 banks in this state currently hold C grades, averaging a composite score of 57/100. 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 95 C-graded banks in Texas, the average Tier 1 capital ratio is 1.85% and the average nonperforming-loan ratio is 0.51%. Combined assets in this cohort total $36.6B. These numbers come straight from the most recent quarterly FDIC Call Report.
Are deposits at C-graded banks still FDIC-insured?
For depositors: C-graded institutions are not in trouble, but they have at least one weaker factor than peers. FDIC insurance still protects deposits up to $250,000 per depositor, per insured bank, per ownership category. Depositors with combined balances above the limit should verify exact coverage using FDIC's EDIE calculator at FDIC.gov.
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 · 95 C-graded banks in Texas. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.