First National Bank Texas

Headquarters

901 E Central Texas Expy
Killeen, TX 76541
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Notable Rates	APY	Vs.Others
Savings	N.A.	4.66% →
1-Year CD	N.A.	4.59% →
2-Year CD	N.A.	4.25% →
5-Year CD	N.A.	4.20% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Deposit Rates
Loan Rates
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Financial Details
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2025 Overview

General Bank Information

First National Bank Texas is an FDIC insured institution located in Killeen, TX. It was founded in 1901 and has approximately $4.12 billion in assets. Customers can open an account at one of its 325 branches.


FDIC Insured	Yes
FDIC Certificate	# 3285
Date Established	1901
Assets	$ 4.12 billion
Loans	$ 2.03 billion
Deposits	$ 3.61 billion
Capital	$ 208.41 million

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

Deposit Rates - June 14, 2025

Your Current Location: Washington, WA 98109

Loan Rates - June 14, 2025

Your Current Location: Washington, WA 98109

There are currently no loan rates available for First National Bank Texas

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 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1835285	6.356%	6.250% 0.63 points $3,600 fees	$1,971	Learn More
NMLS ID: 2463124	6.380%	6.250% 0.38 points $4,506 fees	$1,971	Learn More
NMLS ID: 2059741	6.560%	6.490% 0.75 points $2,326 fees	$2,021	Learn More
NMLS ID: 181106 License#: 1998387	6.563%	6.375% 0.88 points $6,426 fees	$1,997	Learn More

See More Mortgage Rates →

Featured - Washington Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity See Table	Intro APR 7.150 % After Intro: 7.150 %	$15,000	Learn More More Info
Available APRs range from 6.70% - 14.65%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$400K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Four Leaf Federal Credit Union See Table	Intro APR 6.490 % After Intro: 7.750 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]
Achieve Loans See Table	Intro APR 10.125 % After Intro: 10.125 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501). Equal Housing Opportunity. Offers may vary and loan requests are subject to eligibility requirements, application review, loan amount, loan term, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio, and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 6.74% - 14.75% and are assigned based on underwriting requirements; offer APRs may include a discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month and can fluctuate during the draw period. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. Combined loan-to-value ratio may not exceed 80% (20 and 30 year debt consolidation requests may not exceed 75%), including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Equal Housing Opportunity. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

See More Home Equity Rates →

Note to First National Bank Texas
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Branches

First National Bank Texas 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

First National Bank Texas Locations around zip code 98109

Branch	Distance	Map	View Lobby Hours
Bullhead City Banking Center - Rc 93	959.28	A	View Lobby Hours
Kingman Banking Center - Rc 936	963.80	B	View Lobby Hours
Cottonwood Banking Center - Rc 931 B	1047.40	C	View Lobby Hours
Farmington West Banking Center - Rc	1061.54	D	View Lobby Hours
Farmington East Banking Center - Rc	1062.57	E	View Lobby Hours
Swm - Surprise - Rc 913	1101.66	F	View Lobby Hours
Swm - Bell Road - Rc 922	1111.71	G	View Lobby Hours
Goodyear Banking Center Rc-905	1112.10	H	View Lobby Hours
Scottsdale Banking Center Rc-912	1114.94	I	View Lobby Hours
Swm-North 75th Ave Banking Center Br	1115.69	J	View Lobby Hours
Prm - Indian School Banking Center R	1116.67	K	View Lobby Hours
Swm - East Thomas Banking Center - R	1120.82	L	View Lobby Hours
Prm - Roosevelt Banking Center - Rc	1120.93	M	View Lobby Hours
Laveen Banking Center - Rc 910	1122.84	N	View Lobby Hours
Swm Country Club Banking Center - Rc	1131.20	O	View Lobby Hours
Stapley Banking Center Rc-909	1131.84	P	View Lobby Hours
Swm - Greenfield Banking Center - Rc	1133.55	Q	View Lobby Hours
Chandler Banking Center Rc-908	1136.53	R	View Lobby Hours
Swm - Rio Rancho Banking Center - Rc	1191.70	S	View Lobby Hours
Bernalillo Banking Center - Rc 916 B	1192.50	T	View Lobby Hours
Prm Atrisco Banking Center - Rc930	1199.98	U	View Lobby Hours
Swm Wymoing Blvd - Rc 920	1203.96	V	View Lobby Hours
Swm - San Mateo Banking Center - Rc	1204.14	W	View Lobby Hours
Swm - Eubank Banking Cente - Rc 924	1205.95	X	View Lobby Hours
Marana Banking Center - Rc 907 Branc	1212.21	Y	View Lobby Hours
Swm Marketplace - Rc 927	1223.86	Z	View Lobby Hours

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Climate Policy and Initiatives

First National Bank Texas is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

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Financial Details

First National Bank Texas Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First National Bank Texas. 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

First National Bank Texas	U.S. Bank Average
14.12%	4.63%

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 December 31, 2024, First National Bank Texas had $32,297,000 in non-current loans and $860,000 in owned real estate. To cover these potential losses it had $208,413,000 in equity and $26,463,000 in loans loss reserves. That gives it a Texas Ratio of 14.12%.

Return on Equity

First National Bank Texas	U.S. Bank Average
20.31%	10.10%

First National Bank Texas has a Return on Equity of 20.31% versus the BestCashCow average of 10.10%. 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

First National Bank Texas	U.S. Bank Average
5.05%	11.02%

First National Bank Texas has a Capitalization of 5.05% versus the BestCashCow average of 11.02. 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.

First National Bank Texas Balance Sheet Analysis

As of December 31, 2024, First National Bank Texas had assets of $4,123,442,000, loans of $2,032,169,000, and deposits of $3,613,738,000. 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

December 31, 2024

ASSETS
Cash & Balances due from depository institutions	$ 319.06 million
Interest-bearing balances	$ 94.24 million
Total securities	$ 1,513.15 million
Federal funds sold and reverse repurchase	$ 0.01 million
Net loans and leases	$ 2.03 billion
Loan loss allowance	$ 26.46 million
Trading account assets	N.A.
Bank premises and fixed assets	N.A.
Other real estate owned	$ 0.86 million
Goodwill and other intangibles	N.A.
All other assets	$ 125.81 million
Total Assets	$ 3.92 billion

LIABILITIES
Total deposits	$ 3.61 billion
Interest-bearing deposits	$ 1,466.12 million
Deposits held in domestic offices	$ 3.61 billion
% insured (estimated)	90.81%
Federal funds purchased and repurchase agreements	$ 70.99 million
Trading liabilities	N.A.
Other borrowed funds	$ 95.25 million
Subordinated debt	N.A.
All other liabilities	$ 60.26 million
Total Liabilities	$ 3.92 billion
Shareholders’ Equity	$ 208.41 million

Summary Income Statement

December 31, 2024

INCOME AND EXPENSES
Total Interest Income	$ 158.52 million
Total Interest Expense	$ 28.92 million
Net interest income	$ 129.61 million
Provision for loan and lease losses	$ 19.53 million
Total non interest income	$ 319.10 million
Total non interest expense	$ 383.98 million
Pre-tax Net Operating Income	$ 25.99 million

Bank Loan Profile^?

The top three loan types in First National Bank Texas’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Construction and Development Loans.

Compared to other banks, First National Bank Texas’s loan portfolio does not show any specific loan specialty.

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	18.57		✓
Multifamily Mortgages	1.77		✓
Credit Card Loans	0.00	✓
Consumer Auto Loans	3.00		✓
Small Business Loans	3.53		✓
Construction and Development Loans	7.24		✓
Commercial Real Estate	16.78		✓
Commercial and Industrial Loans	0.67	✓
Farm Loans	0.00	✓

Customer Reviews for First National Bank Texas

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