Bank · FDIC insured
First Lockhart Bank
A $415.9M bank headquartered in Lockhart, TX, with 6 branches in Texas. Best rates: CDs 3.65% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: rates are not published online. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs713.65%for 3–8 monthsCD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First Lockhart Bank
- Headquarters
- 111 S Main St, Lockhart, TX 78644
- FDIC certificate
- 13599 ↗
Branches
6 branches in Texas
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Texas
6 branches
Austin area · 4
- First Lockhart BankMain office111 S Main St, Lockhart, TX 78644Directions
- Austin Office Branch319 W Slaughter Ln, Austin, TX 78748Directions
- Kyle Branch800 West Farm To Market 150, Kyle, TX 78640Directions
- San Marcos Banking Center2507 Hunter Road, San Marcos, TX 78666Directions
San Antonio area · 1
- New Braunfels Branch3016 Independence Dr, New Braunfels, TX 78132Directions
Shiner area · 1
- Shiner Branch316 Avenue E, Shiner, TX 77984Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.34% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.29% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.70% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $84 | $81 | — |
- CapitalLeverage ratio9.34%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.29%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.70%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$84Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First Lockhart Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.