US Bank Directory
Banks in Lockhart, TX
4 FDIC-insured banks operate 4 offices in Lockhart, Texas, and 2 credit unions have 2 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026; hours checked October 10, 2026.
Bank branch map: Lockhart
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 6 banks and credit unions operate 6 locations in Lockhart, according to the FDIC and the NCUA. 5 of them have coordinates on record and are on the map. 3 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
5 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks and credit unions in Lockhart
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: 4 banks share the most locations in Lockhart, with 1 each. 4 banks have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
Austin Telco Credit Union Credit union · 1
Austin Telco Credit Union has 1 office in Lockhart, 24 across Texas. It is based in Austin, TX and $2.55 billion in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
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Lockhart315 Hickory St, 78644
All hours
Mon to Fri 9 am to 4 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Bank OZK Bank · 1
Bank OZK has 1 branch in Lockhart, 38 across Texas and 272 nationwide. FDIC records list its main office in Little Rock, AR and show it operating since 1903. With $41.70 billion in total assets on June 30, 2026, it ranks No. 57 of 4,232 U.S. banks by total assets. The Lockhart Branch at 118 W Market St dates to 1958 in FDIC branch records. Its published hours do not list Saturday.
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Lockhart Branch118 W Market St, 78644
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: Bank OZK branch locator (All The Places), checked Oct 10, 2026
First Lockhart Bank Bank · 1
First Lockhart Bank has 1 branch in Lockhart, 6 across Texas and 6 nationwide. FDIC records list its main office in Lockhart, TX and show it operating since 1934. With $415.9 million in total assets on June 30, 2026, it ranks No. 2,028 of 4,232 U.S. banks by total assets. Its main office at 111 S Main St dates to 1934 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office111 S Main St, 78644
First National Bank Texas Bank · 1
First National Bank Texas has 1 branch in Lockhart, 298 across Texas and 357 nationwide. FDIC records list its main office in Killeen, TX and show it operating since 1901. With $4.64 billion in total assets on June 30, 2026, it ranks No. 302 of 4,232 U.S. banks by total assets. The Lockhart Banking Center - Rc 460 Branch at 1904 S Colorado St dates to 2012 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Lockhart Banking Center - Rc 460 Branch1904 S Colorado St, 78644
Randolph-brooks Credit Union Credit union · 1
Randolph-brooks Credit Union has 1 office in Lockhart, 65 across Texas. It is based in Universal City, TX and $19.19 billion in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
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Lockhart1340 S Colorado St, 78644
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 4 pm; Sun not published
Hours: NCUA, March 31, 2026
Sage Capital Bank, Bank · 1
Sage Capital Bank, has 1 branch in Lockhart, 7 across Texas and 7 nationwide. FDIC records list its main office in Gonzales, TX and show it operating since 1984. With $768.9 million in total assets on June 30, 2026, it ranks No. 1,305 of 4,232 U.S. banks by total assets. The Lockhart Branch at 501 S Colorado St dates to 1995 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Lockhart Branch501 S Colorado St, 78644
Join a credit union in Lockhart
2 credit unions have 2 offices here: Randolph-brooks Credit Union and Austin Telco Credit Union. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in Lockhart page has every office in the state's directory.
Banking in Lockhart: the local picture
Short answer: 4 banks run 4 branches in Lockhart according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 4 banks, 1 has its main office in Lockhart, 2 elsewhere in Texas and 1 out of state, according to the FDIC.
The bank with the longest record here is First National Bank Texas, operating since 1901 according to the FDIC. In FDIC branch records, the longest-running branch is First Lockhart Bank's office at 111 S Main St, dating to 1934; the newest is First National Bank Texas's at 1904 S Colorado St, from 2012.
2 credit unions have 2 offices in Lockhart, according to the NCUA. Who can join each one is on the credit unions page.
Of the 3 locations with published hours. 2 open on Saturday. 3 locations have no published hours in these sources.
Credit unions open on Saturday in Lockhart
Short answer: 2 of the 3 Lockhart locations with published hours open on Saturday, run by 2 institutions.
- Randolph-brooks Credit Union: 1 of 1 office (1340 S Colorado St: Saturday 9 am to 4 pm)
- Austin Telco Credit Union: 1 of 1 office (315 Hickory St: Saturday 9 am to 12 pm)
Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 3 of the 6 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in Lockhart, and where the nearest one is if they do not.
Short answer: No branches in Lockhart: Chase (nearest in Kyle, 15 mi), Wells Fargo (nearest in Kyle, 15 mi), Bank of America (nearest in Kyle, 15 mi), PNC Bank (nearest in San Marcos, 16 mi), U.S. Bank (nearest in Houston, 128 mi), Truist (nearest in Austin, 20 mi), Fifth Third Bank (nearest in Austin, 28 mi), Huntington (nearest in Buda, 17 mi), Regions Bank (nearest in Austin, 20 mi), TD Bank, BMO (nearest in Dallas, 208 mi).
| Bank | In Lockhart | Nearest branch if none here |
|---|---|---|
| Chase | None | Kyle, 15 miles away |
| Wells Fargo | None | Kyle, 15 miles away |
| Bank of America | None | Kyle, 15 miles away |
| PNC Bank | None | San Marcos, 16 miles away |
| U.S. Bank | None | Houston, 128 miles away |
| Truist | None | Austin, 20 miles away |
| Fifth Third Bank | None | Austin, 28 miles away |
| Huntington | None | Buda, 17 miles away |
| Regions Bank | None | Austin, 20 miles away |
| TD Bank | None | none in Texas |
| BMO | None | Dallas, 208 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Lockhart to the nearest branch in Texas.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Lockhart residents like anyone else.
Banks near Lockhart
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Luling (14 miles) and Kyle (15 miles). San Marcos, 17 miles away, has the most banks nearby: 13.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Luling, TX | 14 mi | 3 | 3 |
| Banks in Kyle, TX | 15 mi | 8 | 8 |
| Banks in San Marcos, TX | 17 mi | 13 | 16 |
| Banks in Buda, TX | 18 mi | 5 | 5 |
| Banks in Bastrop, TX | 26 mi | 10 | 14 |
| Banks in Wimberley, TX | 27 mi | 5 | 6 |
| Banks in Seguin, TX | 27 mi | 9 | 11 |
| Banks in Gonzales, TX | 28 mi | 5 | 5 |
Bank branch openings and closings in Lockhart
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Lockhart between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Banks and credit unions based in Lockhart
Short answer: 1 institution has its main office in Lockhart: First Lockhart Bank.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| First Lockhart Bank | Bank | $415.9 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Lockhart by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Lockhart offices.
Short answer: Bank OZK is the largest bank with offices in Lockhart, with $41.70 billion in total assets on June 30, 2026, No. 57 among U.S. banks by total assets. First National Bank Texas is second with $4.64 billion. 1 of the 4 bank is headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Bank OZK | $41.70 billion | No. 57 | 1 | Little Rock, AR |
| First National Bank Texas | $4.64 billion | No. 302 | 1 | Killeen, TX |
| Sage Capital Bank, | $768.9 million | No. 1,305 | 1 | Gonzales, TX |
| First Lockhart Bank | $415.9 million | No. 2,028 | 1 | Lockhart, TX |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Lockhart: FAQ
How many banks are in Lockhart, TX?
Lockhart has 4 banks with 4 branches and 2 credit unions with 2 offices, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Lockhart?
Bank OZK, with 1. First National Bank Texas has 1 and Sage Capital Bank, has 1.
Is there a Bank OZK in Lockhart, TX?
Yes. FDIC data lists 1 Bank OZK branch in Lockhart as of September 5, 2026. The address and directions are under Bank OZK above.
Is there a First National Bank Texas in Lockhart, TX?
Yes. FDIC data lists 1 First National Bank Texas branch in Lockhart as of September 5, 2026. The address and directions are under First National Bank Texas above.
Is there a Sage Capital Bank, in Lockhart, TX?
Yes. FDIC data lists 1 Sage Capital Bank, branch in Lockhart as of September 5, 2026. The address and directions are under Sage Capital Bank, above.
Is there a Chase in Lockhart, TX?
No. FDIC data lists no Chase branch in Lockhart as of September 5, 2026. The nearest is in Kyle, about 15 miles away in a straight line.
Which banks in Lockhart are open on Saturday?
Randolph-brooks Credit Union and Austin Telco Credit Union publish Saturday hours for one or more Lockhart locations. The Saturday section above lists each one with its hours. 3 of the 6 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Lockhart?
First Lockhart Bank has its main office in Lockhart, according to the FDIC.
What is the oldest bank in Lockhart?
First National Bank Texas has the longest record among banks with a branch here: the FDIC shows it operating since 1901.
Which credit unions can I join in Lockhart?
Randolph-brooks Credit Union and Austin Telco Credit Union have offices in Lockhart. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Lockhart in the past year?
FDIC branch records show no branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Lockhart?
Nearby cities with more banks include Luling, Kyle, San Marcos. Luling is 14 miles away with 3 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Credit union offices, phones and hours as filed with the NCUA, total assets | NCUA call report data | Public data (U.S. government) | Quarterly import | Mar 31, 2026 |
| Map coordinates of 1 credit union offices whose NCUA record has none, from the office address | U.S. Census Bureau Geocoder | Public data (U.S. government) | With each NCUA import | Oct 19, 2026 |
| Bank branch hours, phones and branch pages (1 of 4 branches: Bank OZK) | The banks' own branch locators, collected by All The Places | CC0 (All The Places data); each bank's locator is the primary source | Weekly spider run, monthly refresh here | Oct 10, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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