1st Bank, National Association.

Headquarters

3625 Richmond Road
Texarkana, TX 75503
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
5-Year CD N.A. 2.25% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

1st Bank, National Association. is an FDIC insured institution located in Texarkana, TX. It was founded in 1909 and has approximately $0.32 billion in assets.

FDIC Insured Yes
FDIC Certificate # 3881
Date Established 1909
Assets $ 310.30 million
Loans $ 251.09 million
Deposits $ 271.74 million
Capital $ 32.43 million
 

For a more detailed analysis of 1st Bank, National Association.'s financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 18, 2020

Your Current Location: Washington, WA 98109


Loan Rates - September 18, 2020

Your Current Location: Washington, WA 98109

There are currently no loan rates available for 1st Bank, National Association.

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Washington 30 Year Fixed Mortgage Rates 2020

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Payment
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Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
2.815% 2.750% 0.88 $2,120 $1,021 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.114% 3.990% 1.00 $3,750 $1,193 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
3.500 %
$25,000 Learn More
More Info

Note to 1st Bank, National Association.
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Branches

1st Bank, National Association. branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Seattle,Washington


1st Bank, National Association. Locations


Financial Details

1st Bank, National Association. Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of 1st Bank, National Association.. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
1st Bank, National Association. U.S. Bank Average
4.91% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, 1st Bank, National Association. had $1,377,000 in non-current loans and $400,000 in owned real estate. To cover these potential losses it had $32,429,000 in equity and $3,778,000 in loans loss reserves. That gives it a Texas Ratio of 4.91%.

Return on Equity
1st Bank, National Association. U.S. Bank Average
11.51% 7.80%

1st Bank, National Association. has a Return on Equity of 11.51% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
1st Bank, National Association. U.S. Bank Average
10.45% 12.68%

1st Bank, National Association. has a Capitalization of 10.45% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

1st Bank, National Association. Balance Sheet Analysis

As of September 30, 2014, 1st Bank, National Association. had assets of $323,583,000, loans of $251,088,000, and deposits of $271,739,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 251.09 million
Loan loss allowance $ 3.78 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.40 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 271.74 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 310.30 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in 1st Bank, National Association.’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Texas, 1st Bank, National Association. has a significantly higher percent of Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 24.66
Multifamily
Mortgages
2.69
Credit Card Loans 0.00
Consumer Auto Loans 1.54
Small Business Loans 12.74
Construction and Development Loans 10.08
Commercial Real Estate 30.13
Commercial and Industrial Loans 13.31
Farm Loans 5.93

Frequently Asked Questions About 1st Bank, National Association.

Branches and Savings

Is 1st Bank, National Association. FDIC insured?

Yes. It is covered under FDIC Certificate #3881.

Why does 1st Bank, National Association. pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are 1st Bank, National Association. CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is 1st Bank, National Association. a commercial bank?

Yes

Where are 1st Bank, National Association. locations?

See branch locations nearby.

Is 1st Bank, National Association. open on Saturdays?

Is 1st Bank, National Association. open on Sundays?

What time does 1st Bank, National Association. open?

What time does 1st Bank, National Association. close?

Are 1st Bank, National Association. ATMs Open 24/7?

Do 1st Bank, National Association. ATMs accept cash deposits?

Can 1st Bank, National Association. customers use other ATMs?

Do 1st Bank, National Association. branches have notaries?

Will 1st Bank, National Association. notarize my document?

What address for 1st Bank, National Association. should I put for incoming ACH transfers?

Will the 1st Bank, National Association. branch print checks?

Do 1st Bank, National Association. checks expire?

Does 1st Bank, National Association. require US citizenship to open account?

Can 1st Bank, National Association. close my account?

Does 1st Bank, National Association. Report to credit bureaus?

Does 1st Bank, National Association. Use Equifax?

What is 1st Bank, National Association.'s ACH Routing Number?

What is 1st Bank, National Association.'s SWIFT code?

Products

Does 1st Bank, National Association. offer mortgages?

Compare mortgage rates here.

Does 1st Bank, National Association. offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does 1st Bank, National Association. offer personal loans?

Compare personal loan rates here.

Does 1st Bank, National Association. offer student loans?

Will 1st Bank, National Association. cash a check?

Will 1st Bank, National Association. redeem a savings bond?

Does 1st Bank, National Association. cash savings bonds?

Will 1st Bank, National Association. cash money orders?

Can 1st Bank, National Association. issue a money order?

Does 1st Bank, National Association. do currency exchange?

Background on The Bank

Who owns 1st Bank, National Association.?

How long has 1st Bank, National Association. been around?

Can 1st Bank, National Association. transfer to other banks?

Does 1st Bank, National Association. have quick pay?

Does 1st Bank, National Association. accept rolled coins?

Will 1st Bank, National Association. accept loose change?

Where is 1st Bank, National Association. headquarters?

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