First-Lockhart National Bank


Overview / Commentary
512-398-3416
111 South Main Street
Lockhart, TX 78644

First-Lockhart National Bank is headquartered in Lockhart and is the 201st largest bank in the state of Texas. It is also the 2,259th largest bank in the nation. It was established in 1934 and as of June of 2021, it had grown to 51 employees at 4 locations. First-Lockhart National Bank has an A health rating.

Reviews (2)

Slow To Start A New Account, But Then Everything Gets Better

Posted by: |

I applied for my account online. I was supposed to hear from someone within a few days, but that did not happen? I waited about 4-5 days and called and spoke with Samantha Ortega, She was apologetic for the delay and immediately got my account opened, processed my Initial deposit, got my Debit card ordered and opened my access to online banking.

Since then, I have been using the account with no issues. I did have a few questions after I opened my account and sent emails to Samantha who quickly replied to answer my questions.

After completing my first banking cycle, everything is running smoothly and I have no complaints.

Change In Rate And Debit Count

Posted by: |

I just signed up for this account. I was told by the customer rep that the interest rate went down from 3.05% to 2.05%. Upon further examination, I also saw the debit card usage requirements jumped from 7 to 15 (still at $5/transaction minimum). It may not be worth the effort.



Health

Health Grade Components

Overall
FDIC Certificate #13599
Year Established1934
Employees51
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.76%
Return on Equity - YTD8.36%
Annual Interest Income$5.1MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$346.1MM$317.2MM
LoansQ2 2021vs Q2 2020$193.0MM$181.4MM
DepositsQ2 2021vs Q2 2020$312.9MM$284.5MM
Equity CapitalQ2 2021vs Q2 2020$30.5MM$29.6MM
Loan Loss AllowanceQ2 2021vs Q2 2020$3.0MM$3.0MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$499.00K$503.00K
Real Estate OwnedQ2 2021vs Q2 2020$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First-Lockhart National Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*-$100kFree Kasasa Saver
OTHER TIERS: 0.15% $100k+

First-Lockhart National Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.05%*-$25kFree Kasasa Cash Checking
OTHER TIERS: 0.25% $25k+
Locations


First-Lockhart National Bank Locations
First-Lockhart National Bank111 Main StreetLockhart, TX 78644
Kyle Branch800 West Farm To Market 150Kyle, TX 78640
Austin Office Branch319 W. Slaughter LaneAustin, TX 78748
San Marcos Banking Center2507 Hunter RoadSan Marcos, TX 78666

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