First-Lockhart National Bank

Overview / Commentary
111 South Main Street
Lockhart, TX 78644

First-Lockhart National Bank is headquartered in LOCKHART and is the 197th largest bank in the state of Texas. It is also the 2,151st largest bank in the nation. It was established in 1934 and as of March of 2024, it had grown to 57 employees at 4 locations. First-Lockhart National Bank has a B+ 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 - YTD0.25%
Return on Equity - YTD2.97%
Annual Interest Income$4.4MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$374.1MM$372.9MM
LoansQ1 2024vs Q1 2023$271MM$255MM
DepositsQ1 2024vs Q1 2023$339.1MM$339.6MM
Equity CapitalQ1 2024vs Q1 2023$32.5MM$30.7MM
Loan Loss AllowanceQ1 2024vs Q1 2023$3.3MM$3.3MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$25K$0
Real Estate OwnedQ1 2024vs Q1 2023$649K$649K
Skip to rates for:
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not First-Lockhart National Bank; we are a rate comparison website and cannot provide official rates or promotions.

* 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

1.50%*$0$250kPlatinum Savings
OTHER TIERS: 0.15% $250k+

First-Lockhart National Bank Checking Account Rates

2.00%*$0$100kPlatinum Checking
OTHER TIERS: 0.25% $100k+

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

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.