Textile-reinforced concrete (TRC) is highly anticipated as an alternative to reinforced concrete due to its ability to enable lightweight design, free formability, and improved ductility. In this study, TRC panel test specimens were fabricated and four-point loading flexural tests were performed to examine the flexural characteristics of TRC panels reinforced with carbon fabric, and to investigate the effect of the fabric reinforcement ratio, anchorage length, and surface treatment of fabric. Furthermore, the flexural behavior of the test specimens was numerically analyzed using the general section analysis concept of reinforced concrete and compared with the experimental results. Due to bond failure between the carbon fabric and the concrete matrix, the TRC panel showed a large decrease in flexural performance in terms of flexural stiffness, flexural strength, cracking behavior, and deflection. This low performance was improved by increasing the fabric reinforcement ratio, anchoring length, and sand–epoxy surface treatment of the anchorage. Comparing the numerical calculation results with the experimental results, the deflection of the experimental results was approximately 50% larger than the numerical calculation results. This is because the perfect bond between the carbon fabric and the concrete matrix failed, and slip occurred.