First-Lockhart National Bank

Overview / Commentary
111 South Main Street
Lockhart, TX 78644

First-Lockhart National Bank is headquartered in Lockhart and is the 190th largest bank in the state of Texas. It is also the 2,086th largest bank in the nation. It was established in 1934 and as of June of 2022, it had grown to 58 employees at 4 locations. First-Lockhart National Bank has an A health rating.

Reviews (3)

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.

Rate Continues To Drop

Posted by: |

I signed up for an account here in mid-2021, and received notice that rate was dropping from 2.05% to 1.05%. It's hardly worth the effort any more.

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 Grade Components

FDIC Certificate #13599
Year Established1934
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.67%
Return on Equity - YTD8.44%
Annual Interest Income$6.5MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$391.7MM$346.1MM
LoansQ2 2022vs Q2 2021$234.2MM$193.0MM
DepositsQ2 2022vs Q2 2021$359.9MM$312.9MM
Equity CapitalQ2 2022vs Q2 2021$29.5MM$30.5MM
Loan Loss AllowanceQ2 2022vs Q2 2021$3.2MM$3.0MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$1.5MM$499.00K
Real Estate OwnedQ2 2022vs Q2 2021$0$0
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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

0.75%*-$100kFree Kasasa Saver
OTHER TIERS: 0.15% $100k+

First-Lockhart National Bank Checking Account Rates

1.55%*-$25kFree Kasasa Cash Checking
OTHER TIERS: 0.25% $25k+

First-Lockhart National Bank Locations
First-Lockhart National Bank111 S Main StLockhart, 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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