Bank · FDIC insured
First National Bank of Bastrop
A $1.2B bank headquartered in Bastrop, TX, with 7 branches in Texas. Best rates: CDs 5.00% and savings 0.50% APY.
First National Bank of Bastrop Carrot Score
68
Carrot Score
Higher than 22% of U.S. banks and credit unions
#37 of 51 in Austin, TX metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First National Bank of Bastrop
- Headquarters
- 489 Highway 71 W, Bastrop, TX 78602
- FDIC certificate
- 3091 ↗
Branches
7 branches in Texas
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Texas
7 branches
Austin area · 6
- The First National Bank of BastropMain office489 Highway 71 W, Bastrop, TX 78602Directions
- Cedar Creek Branch118 Highway 21 W, Bastrop, TX 78602Directions
- Downtown Bastrop Branch712 Spring Street, Bastrop, TX 78602Directions
- Highway 71 BranchHighway 71 And Hasler Boulevard, Bastrop, TX 78602Directions
- Elgin Branch1312 Highway 290 W, Elgin, TX 78621Directions
- Smithville Branch312 Main St, Smithville, TX 78957Directions
Waco area · 1
- Falls County Branch102 Private Road 711, Lott, TX 76656Directions
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 | 11.61% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.33% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.46% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $68 | $88 | — |
- CapitalLeverage ratio11.61%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.33%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.46%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$68Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 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 National Bank of Bastrop are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.