RANKING ·
Lowest cost of deposits in Texas
310 of 352 banks in Texas that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets. Institutions with equal values share a rank. Source: FDIC quarterly financial data.
| Rank | Institution | Headquarters | Cost of all deposits, annualized for the quarter | Total assets |
|---|---|---|---|---|
| 1 | Charles Schwab Premier Bank SSB | Westlake, TX | 0.08% | $26.6 billion |
| 2 | The First National Bank of Hughes Springs | Hughes Springs, TX | 0.23% | $320 million |
| 3 | The Big Bend Banks, N.A. Dba Marfa National Bank | Marfa, TX | 0.23% | $165 million |
| 4 | Charles Schwab Trust Bank | Westlake, TX | 0.26% | $10.5 billion |
| 5 | First Command Bank | Fort Worth, TX | 0.30% | $1.1 billion |
| 6 | Charles Schwab Bank SSB | Westlake, TX | 0.31% | $251 billion |
| 7 | Pointwest Bank | West, TX | 0.37% | $137 million |
| 8 | The First National Bank of Livingston | Livingston, TX | 0.46% | $467 million |
| 9 | Commercial State Bank | Palmer, TX | 0.49% | $127 million |
| 10 | Citizens National Bank | Crockett, TX | 0.50% | $109 million |
| 11 | Austin Capital Bank SSB | Austin, TX | 0.60% | $395 million |
| 12 | The First National Bank of Mertzon | Mertzon, TX | 0.63% | $500 million |
| 13 | Farmers State Bank | Groesbeck, TX | 0.64% | $196 million |
| 14 | Texas State Bank | San Angelo, TX | 0.67% | $426 million |
| 15 | Ozona Bank | Ozona, TX | 0.74% | $346 million |
| 16 | First National Bank of Dublin | Dublin, TX | 0.76% | $134 million |
| 17 | The Brenham National Bank | Brenham, TX | 0.77% | $518 million |
| 18 | First National Bank Texas Dba First Convenience Bank | Killeen, TX | 0.77% | $4.6 billion |
| 19 | First Texas Bank | Georgetown, TX | 0.78% | $1.3 billion |
| 20 | Anahuac National Bank | Anahuac, TX | 0.82% | $266 million |
| 21 | The First National Bank of Stanton | Stanton, TX | 0.84% | $395 million |
| 22 | The First National Bank of Sterling City | Sterling City, TX | 0.85% | $240 million |
| 23 | The Bank and Trust SSB | Del Rio, TX | 0.86% | $584 million |
| 24 | Texas National Bank | Sweetwater, TX | 0.91% | $139 million |
| 25 | Mason Bank | Mason, TX | 0.92% | $147 million |
| 26 | Arrowhead Bank | Llano, TX | 0.92% | $295 million |
| 27 | Southwest Bank | Odessa, TX | 0.93% | $694 million |
| 28 | First National Bank of Bosque County | Valley Mills, TX | 0.95% | $182 million |
| 29 | First Texas Bank | Lampasas, TX | 0.97% | $260 million |
| 30 | The First National Bank of Anson | Anson, TX | 0.97% | $105 million |
| 31 | Columbus State Bank | Columbus, TX | 1.00% | $326 million |
| 32 | Valuebank Texas | Corpus Christi, TX | 1.00% | $304 million |
| 33 | Woodforest National Bank | The Woodlands, TX | 1.01% | $9.0 billion |
| 34 | The First National Bank of Eagle Lake | Eagle Lake, TX | 1.01% | $168 million |
| 35 | Community National Bank | Midland, TX | 1.01% | $2.5 billion |
| 36 | The State National Bank of Big Spring | Big Spring, TX | 1.02% | $640 million |
| 37 | The City National Bank of Taylor | Taylor, TX | 1.03% | $250 million |
| 38 | The First State Bank | Louise, TX | 1.03% | $895 million |
| 39 | First Security State Bank | Cranfills Gap, TX | 1.04% | $183 million |
| 40 | The First State Bank | Columbus, TX | 1.04% | $155 million |
| 41 | Normangee State Bank | Normangee, TX | 1.04% | $165 million |
| 42 | First State Bank of Odem | Odem, TX | 1.04% | $213 million |
| 43 | Frost Bank | San Antonio, TX | 1.06% | $54.0 billion |
| 44 | First State Bank of Burnet | Burnet, TX | 1.06% | $326 million |
| 45 | The Lytle State Bank of Lytle, Texas | Lytle, TX | 1.09% | $115 million |
| 46 | Peoples State Bank | Rocksprings, TX | 1.09% | $140 million |
| 47 | Peoples State Bank | Shepherd, TX | 1.09% | $181 million |
| 48 | Stockmens National Bank in Cotulla | Cotulla, TX | 1.10% | $124 million |
| 49 | Muenster State Bank | Muenster, TX | 1.10% | $227 million |
| 50 | Citizens National Bank at Brownwood | Brownwood, TX | 1.11% | $303 million |
| 51 | Titan Bank N.A. | Mineral Wells, TX | 1.12% | $896 million |
| 52 | First Community Bank | San Benito, TX | 1.13% | $794 million |
| 53 | First National Bank of Huntsville | Huntsville, TX | 1.14% | $585 million |
| 54 | Kleberg Bank N.A. | Kingsville, TX | 1.14% | $737 million |
| 55 | First National Bank of Fort Stockton | Fort Stockton, TX | 1.16% | $153 million |
| 56 | Southtrust Bank N.A. | George West, TX | 1.17% | $579 million |
| 57 | The First National Bank of Anderson | Anderson, TX | 1.18% | $230 million |
| 58 | Guadalupe Bank | Kerrville, TX | 1.18% | $261 million |
| 59 | First Bank and Trust of Memphis | Memphis, TX | 1.18% | $148 million |
| 60 | Bridge City State Bank | Bridge City, TX | 1.19% | $247 million |
| 61 | First State Bank | Athens, TX | 1.19% | $762 million |
| 62 | Farmers State Bank | Center, TX | 1.21% | $391 million |
| 63 | The Buckholts State Bank | Buckholts, TX | 1.21% | $139 million |
| 64 | The Yoakum National Bank | Yoakum, TX | 1.22% | $386 million |
| 65 | First State Bank | Paint Rock, TX | 1.23% | $174 million |
| 66 | Herring Bank | Amarillo, TX | 1.25% | $541 million |
| 67 | Community Bank | Longview, TX | 1.25% | $315 million |
| 68 | First National Bank of Burleson | Burleson, TX | 1.25% | $251 million |
| 69 | The National Bank of Andrews | Andrews, TX | 1.25% | $341 million |
| 70 | The Lamesa National Bank | Lamesa, TX | 1.25% | $427 million |
| 71 | The Falls City National Bank | Falls City, TX | 1.27% | $597 million |
| 72 | The First State Bank | Abernathy, TX | 1.28% | $121 million |
| 73 | Verabank N.A. | Henderson, TX | 1.29% | $4.6 billion |
| 74 | Coleman County State Bank | Coleman, TX | 1.29% | $295 million |
| 75 | Farmers and Merchants Bank | De Leon, TX | 1.30% | $270 million |
| 76 | Prosperity Bank | El Campo, TX | 1.31% | $43.9 billion |
| 77 | Commercial National Bank of Texarkana | Texarkana, TX | 1.31% | $330 million |
| 78 | Security State Bank & Trust | Fredericksburg, TX | 1.32% | $2.2 billion |
| 79 | Broadway National Bank | San Antonio, TX | 1.32% | $5.4 billion |
| 80 | First Capital Bank | Quanah, TX | 1.32% | $107 million |
| 81 | International Bank of Commerce | Zapata, TX | 1.32% | $568 million |
| 82 | The First National Bank of Evant | Evant, TX | 1.33% | $199 million |
| 83 | Charter Bank | Corpus Christi, TX | 1.33% | $292 million |
| 84 | International Bank of Commerce | Laredo, TX | 1.34% | $10.2 billion |
| 85 | The First National Bank of Winnsboro | Winnsboro, TX | 1.34% | $158 million |
| 86 | Texas First Bank | Texas City, TX | 1.34% | $2.3 billion |
| 87 | First Liberty Bank | Liberty, TX | 1.35% | $873 million |
| 88 | The First National Bank of Granbury | Granbury, TX | 1.35% | $946 million |
| 89 | Austin Bank, Texas N.A. | Jacksonville, TX | 1.35% | $3.3 billion |
| 90 | The Citizens National Bank of Hillsboro | Hillsboro, TX | 1.37% | $224 million |
| 91 | First State Bank of Brownsboro | Brownsboro, TX | 1.37% | $140 million |
| 92 | First State Bank of Ben Wheeler, Texas | Ben Wheeler, TX | 1.37% | $185 million |
| 93 | Texas Financial Bank Dba the Eden State Bank | Eden, TX | 1.37% | $265 million |
| 94 | First State Bank of Livingston | Livingston, TX | 1.38% | $689 million |
| 95 | The Pecos County State Bank | Fort Stockton, TX | 1.39% | $309 million |
| 96 | The First National Bank of Aspermont | Aspermont, TX | 1.40% | $134 million |
| 97 | Texas Community Bank | Laredo, TX | 1.40% | $2.2 billion |
| 98 | Alliance Bank | Sulphur Springs, TX | 1.41% | $1.4 billion |
| 99 | The Jacksboro National Bank | Jacksboro, TX | 1.41% | $283 million |
| 100 | First Community Bank | Corpus Christi, TX | 1.41% | $663 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings