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First-Lockhart National Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
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Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
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Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
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Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
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Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
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Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
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Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.firstlockhart.com
512-398-7375
111 South Main Street
Lockhart, TX 78644

First-Lockhart National Bank is headquartered in LOCKHART and is the 192nd largest bank in the state of Texas. It is also the 2,115th largest bank in the nation. It was established in 1934 and as of March of 2025, it had grown to 51 employees at 4 locations. First-Lockhart National Bank has an A health rating.

Reviews (1)

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.

3


Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #13599
Year Established1934
Employees51
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.53%
Return on Equity - YTD6.03%
Annual Interest Income$5MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$390.3MM$374.1MM
LoansQ1 2025vs Q1 2024$272.7MM$271MM
DepositsQ1 2025vs Q1 2024$352.9MM$339.1MM
Equity CapitalQ1 2025vs Q1 2024$35MM$32.5MM
Loan Loss AllowanceQ1 2025vs Q1 2024$3.3MM$3.3MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$788K$25K
Real Estate OwnedQ1 2025vs Q1 2024$0$649K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates

Rates for First-Lockhart National Bank are currently being reviewed.

Locations


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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