Texas First Bank (FDIC #23799): Bank Stress & Real-Estate Credit Exposure

Texas First Bank (FDIC Cert #23799): bank stress 58/100, moderate, STABLE over 7 days; parent TEXAS IND BANCSHARES INC.

Texas First Bank (#23799) lends in 7 counties across 1 state; Texas First Bank (#23799) reaches 232 ZIP codes: Texas 7 counties, 232 ZIPs.

Texas First Bank (#23799) largest markets: Harris County, TX (715 branches, 143 ZIPs) (#23799), Montgomery County, TX (81 branches, 27 ZIPs) (#23799), Brazoria County, TX (21 branches, 21 ZIPs) (#23799), Galveston County, TX (247 branches, 19 ZIPs) (#23799), Jefferson County, TX (54 branches, 18 ZIPs) (#23799), Liberty County, TX (15 branches, 15 ZIPs) (#23799).

Texas First Bank (#23799) reports $2.35 billion in total assets; Texas First Bank (#23799) equity $228.1 million (9.7% of Texas First Bank (#23799) assets); Texas First Bank (#23799) domestic deposits $2.06 billion; Texas First Bank (#23799) net income $19.8 million; Texas First Bank (#23799) return on assets 1.68%; Texas First Bank (#23799) return on equity 17.18%; Texas First Bank (#23799) net interest income $43.6 million; Texas First Bank (#23799) call report June 30, 2026.

Texas First Bank (#23799) noncurrent real-estate loans: none reported; Texas First Bank (#23799) residential -0.02%; Texas First Bank (#23799) net charge-offs on real estate 0.19%; Texas First Bank (#23799) residential charge-offs 0.11%.

Texas First Bank (#23799) net interest margin 3.95% against an eight-quarter Texas First Bank (#23799) average of 3.56% (Texas First Bank (#23799) compression -0.40 points); Texas First Bank (#23799) real-estate loans 0.4% of equity; Texas First Bank (#23799) non-residential real estate 10.8% of equity; Texas First Bank (#23799) rate-exposure score 40/100, Texas First Bank (#23799) fixed-rate trap 40/100; Texas First Bank (#23799) risk type credit driven; Texas First Bank (#23799) rate regime rates elevated, Texas First Bank (#23799) snapshot October 19, 2026.

Texas First Bank (#23799) stress score moved from 59.4 on June 22, 2026 to 58 on October 19, 2026; Texas First Bank (#23799) ranged 58 to 59.4 over 116 snapshots.

Texas First Bank (#23799) alerts: 6 counties; top Texas First Bank (#23799) alert scores: Liberty County, TX 24 (low); Pearland County, TX 19 (low); Port Arthur County, TX 19 (low); Spring County, TX 19 (low); Texas City County, TX 19 (low).