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Overview / Commentary
9816 Slide Road
Lubbock, TX 79424

First Bank & Trust Company (TX) is headquartered in Lubbock and is the 80th largest bank in the state of Texas. It is also the 1,089th largest bank in the nation. It was established in 1934 and as of March of 2014, it had grown to 198 employees at 6 locations. First Bank & Trust Company (TX) has a B+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 First Bank & Trust Company (TX) had $9.92 million in non-current loans and owned real-estate with $62.6 million in equity and loan loss allowances on hand to cover it. This gives First Bank & Trust Company (TX) a Texas Ratio of 15.84% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for First Bank & Trust Company (TX) decreased dramatically from 23.60% as of March 31, 2013 to 15.84% as of March 31, 2014, resulting in a positive change of 32.89%.This indicates that the balance sheet and financial strength for First Bank & Trust Company (TX) has improved dramatically in recent periods.

Deposit Growth


In the past year, First Bank & Trust Company (TX) has increased its total deposits by $40.3 million, resulting in 8.5% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Bank & Trust Company (TX) has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Bank & Trust Company (TX) has $623.84 million in assets with $62.6 million in equity, resulting in a capitalization level of 10.04%, which is above average.

Institution Statistics

FDIC Certificate #14778
Year Established1934
Primary RegulatorFDIC
Assets and Liabilities
Assets$623.85 million
Loans$476.59 million
Deposits$514.12 million
Equity Capital$56.12 million
Loan Loss Allowance$6.49 million
Unbacked Noncurrent Loans$5.52 million
Real Estate Owned$4.40 million
Historic Data - March 2013
Assets$581.80 million
Equity Capital$54.14 million
Loan Loss Allowance$5.94 million
Unbacked Noncurrent Loans$5.52 million
Real Estate Owned$6.20 million
Profit Margin - Quarterly
Net Interest Margin3.92%
Return on Assets0.82%
Return on Equity8.92%
Interest Income$6.78 million

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First Bank & Trust Company (TX) Savings Account Rates

0.50%$100-AccountLink Savings
0.25%$1k-Health Savings Account
0.15%$100-FirstBank Savings
0.15%--Junior Savings
0.15%$100-Business Savings

First Bank & Trust Company (TX) Money Market Rates

0.40%$25k-E Money Market Account
0.40%$50k-Business Money Market Express
0.35%$50k-Money Market Gold Account

First Bank & Trust Company (TX) Checking Account Rates

0.24%--Business Interest Checking
0.15%$1,500-High Interest Checking

First Bank & Trust Company (TX) CD Rates

1.25%$1k-60 Month Premium CD
1.20%$1k-60 Month Premium Flex CD
1.15%$1k-48 Month Premium CD
1.15%$1k-60 Month Standard CD
1.10%$1k-60 Month Standard Flex CD
1.05%$1k-36 Month Premium CD
1.05%$1k-48 Month Standard CD
0.95%$1k-24 Month Premium CD
0.95%$1k-36 Month Standard CD
0.85%$1k-18 Month Flex Premium CD
0.85%$1k-24 Month Standard CD
0.75%$1k-18 Month Flex Standard CD
0.60%$1k-12 Month Premium CD
0.50%$1k-9 Month Premium CD
0.50%$1k-12 Month Standard CD
0.45%$1k-6 Month Premium CD
0.40%$2,500-12 Month EZ Access Premium CD
0.40%$1k-9 Month Standard CD
0.35%$1k-6 Month Standard CD
0.30%$2,500-12 Month EZ Access Standard CD
0.25%$1k-3 Month Premium CD
0.20%$1k-1 Month Premium CD
0.15%$1k-3 Month Standard CD
0.10%$1k-1 Month Standard CD

First Bank & Trust Company (TX) IRA Rates

1.25%$1k-5 Year Premium IRA
1.20%$1k-60 Month Premium Flex IRA
1.15%$1k-4 Year Premium IRA
1.15%$1k-5 Year Standard IRA
1.10%$1k-60 Month Standard Flex IRA
1.05%$1k-3 Year Premium IRA
1.05%$1k-4 Year Standard IRA
0.95%$1k-2 Year Premium IRA
0.95%$1k-3 Year Standard IRA
0.85%$1k-18 Month Flex Premium IRA
0.85%$1k-2 Year Standard IRA
0.75%$1k-18 Month Flex Standard IRA
0.60%$1k-1 Year Premium IRA
0.50%$1k-1 Year Standard IRA

First Bank & Trust Company (TX) Locations
Lockwood Branch1910 LockwoodTahoka, TX 79373
Wilson Bank Branch2000 Green AvenueWilson, TX 79381
Midcity Branch3405 22nd StreetLubbock, TX 79410
Mobile Branch7806 Indiana AvenueLubbock, TX 79423
Southwest Branch7806 Indiana AvenueLubbock, TX 79423
First Bank & Trust Company9816 Slide RoadLubbock, TX 79424