First Lockhart Bank (FDIC #13599): Bank Stress & Real-Estate Credit Exposure
First Lockhart Bank (FDIC Cert #13599): bank stress 80/100, severe, STABLE over 7 days; parent LOCKHART BANKSHARES INC.
First Lockhart Bank (#13599) lends in 5 counties across 1 state; First Lockhart Bank (#13599) reaches 96 ZIP codes: Texas 5 counties, 96 ZIPs.
First Lockhart Bank (#13599) largest markets: Travis County, TX (63 branches, 63 ZIPs) (#13599), Caldwell County, TX (14 branches, 14 ZIPs) (#13599), Comal County, TX (14 branches, 14 ZIPs) (#13599), Hays County, TX (28 branches, 14 ZIPs) (#13599), Lavaca County, TX (8 branches, 8 ZIPs) (#13599).
First Lockhart Bank (#13599) reports $415.9 million in total assets; First Lockhart Bank (#13599) equity $38.0 million (9.1% of First Lockhart Bank (#13599) assets); First Lockhart Bank (#13599) domestic deposits $375.0 million; First Lockhart Bank (#13599) net income $1.4 million; First Lockhart Bank (#13599) return on assets 0.70%; First Lockhart Bank (#13599) return on equity 7.60%; First Lockhart Bank (#13599) net interest income $8.1 million; First Lockhart Bank (#13599) call report June 30, 2026.
First Lockhart Bank (#13599) noncurrent real-estate loans: none reported; First Lockhart Bank (#13599) net charge-offs on real estate 0.23%; First Lockhart Bank (#13599) residential charge-offs 0.23%.
First Lockhart Bank (#13599) net interest margin 4.30% against an eight-quarter First Lockhart Bank (#13599) average of 3.95% (First Lockhart Bank (#13599) compression -0.34 points); First Lockhart Bank (#13599) non-residential real estate 22.6% of equity; First Lockhart Bank (#13599) rate-exposure score 40/100, First Lockhart Bank (#13599) fixed-rate trap 40/100; First Lockhart Bank (#13599) risk type credit driven; First Lockhart Bank (#13599) rate regime rates elevated, First Lockhart Bank (#13599) snapshot October 19, 2026.
First Lockhart Bank (#13599) stress score moved from 78.4 on June 22, 2026 to 79.6 on October 19, 2026; First Lockhart Bank (#13599) ranged 78.4 to 79.6 over 116 snapshots.
First Lockhart Bank (#13599) alerts: 5 counties; top First Lockhart Bank (#13599) alert scores: Austin County, TX 24 (low); Lockhart County, TX 24 (low); New Braunfels County, TX 24 (low); San Marcos County, TX 24 (low); Shiner County, TX 24 (low).