First National Bank Texas

Headquarters

901 E Central Texas Expy
Killeen, TX 76541
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 5.50% →
1-Year CD N.A. 5.38% →
2-Year CD N.A. 4.95% →
5-Year CD N.A. 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 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 $4.27 billion in assets. Customers can open an account at one of its 325 branches.

FDIC Insured Yes
FDIC Certificate # 3285
Date Established 1901
Assets $ 4.27 billion
Loans $ 1,847.25 million
Deposits $ 3.71 billion
Capital $ 200.38 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 - July 23, 2024

Your Current Location: Virginia, VA 20146


Loan Rates - July 23, 2024

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Monthly
Payment
Learn More
PenFed Credit Union
NMLS ID: 401822
6.644% 6.500%
0.50 points
$4,803 fees
$2,023 Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.706% 6.625%
0.63 points
$2,684 fees
$2,049 Learn More
New American Funding, LLC.
NMLS ID: 6606
6.844% 6.750%
1.00 points
$3,098 fees
$2,076 Learn More
Rocket Mortgage
NMLS ID: 3030
7.064% 6.990%
0.75 points
$2,400 fees
$2,127 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.990 %
$0 Learn More
More Info

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:
Ashburn,Virginia


First National Bank Texas Locations around zip code 20146


BranchDistance Map View Lobby Hours

New Boston Banking Center - Rc 894

975.49 A View Lobby Hours

Tomlinson Parkway Banking Center - R

1018.31 B View Lobby Hours

Longview Banking Center - Rc 693 Bra

1020.53 C View Lobby Hours

Kilgore Banking Center - Rc 572 Bran

1029.07 D View Lobby Hours

Nacogdoches Banking Center Rc-611

1043.21 E View Lobby Hours

Sulphur Springs Banking Center - Rc

1043.45 F View Lobby Hours

Tyler Hwy 110 Banking Center - Rc 68

1050.80 G View Lobby Hours

Lindale Banking Center - Rc 673 Bran

1051.47 H View Lobby Hours

Lufkin Banking Center Rc-462

1058.65 I View Lobby Hours

West Orange Banking Center - Rc 469

1061.26 J View Lobby Hours

Wesley Super 1 Banking Center - Rc 8

1068.07 K View Lobby Hours

Greenville Banking Center - Rc 823

1069.54 L View Lobby Hours

Quinlan Banking Center - Rc 639 Bran

1074.73 M View Lobby Hours

Swm - Port Arthur - Rc 441

1076.92 N View Lobby Hours

Beaumont Banking Center - Rc 468 Bra

1077.38 O View Lobby Hours

Sherman Banking Center - Rc 820

1079.13 P View Lobby Hours

Palestine Banking Center - Rc 604

1086.60 Q View Lobby Hours

Mckinney Banking Center - Rc 830

1090.82 R View Lobby Hours

West Rusk Banking Center - Rc 874

1090.87 S View Lobby Hours

White Hills Banking Center - Rc 696

1091.22 T View Lobby Hours

Exchange Parkway Banking Center - Rc

1093.86 U View Lobby Hours

Swm - Lucas Banking Center - Rc 457

1094.00 V View Lobby Hours

Forney Banking Center - Rc 664

1095.66 W View Lobby Hours

Garland Banking Center - Rc 832

1099.95 X View Lobby Hours

Mesquite Banking Center - Rc 806

1100.88 Y View Lobby Hours

Galloway Banking Center - Rc 409

1101.41 Z View Lobby Hours


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
15.06% 4.29%

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, 2024, First National Bank Texas had $33,856,000 in non-current loans and $117,000 in owned real estate. To cover these potential losses it had $200,382,000 in equity and $25,150,000 in loans loss reserves. That gives it a Texas Ratio of 15.06%.

Return on Equity
First National Bank Texas U.S. Bank Average
19.96% 10.46%

First National Bank Texas has a Return on Equity of 19.96% versus the BestCashCow average of 10.46%. 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
4.7% 10.73%

First National Bank Texas has a Capitalization of 4.7% versus the BestCashCow average of 10.73. 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 March 31, 2024, First National Bank Texas had assets of $4,266,722,000, loans of $1,847,245,000, and deposits of $3,708,264,000. 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, 2024
ASSETS
Cash & Balances due from depository institutions $ 626.56 million
Interest-bearing balances $ 327.83 million
Total securities $ 1,544.05 million
Federal funds sold and reverse repurchase $ 0.01 million
Net loans and leases $ 1,847.25 million
Loan loss allowance $ 25.15 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.12 million
Goodwill and other intangibles N.A.
All other assets $ 125.81 million
     Total Assets $ 4.07 billion
LIABILITIES
Total deposits $ 3.71 billion
      Interest-bearing deposits $ 1,321.00 million
      Deposits held in domestic offices $ 3.71 billion
      % insured (estimated) 93.06%
Federal funds purchased and repurchase agreements $ 73.62 million
Trading liabilities N.A.
Other borrowed funds $ 95.25 million
Subordinated debt N.A.
All other liabilities $ 60.26 million
      Total Liabilities $ 4.07 billion
      Shareholders’ Equity $ 200.38 million

Summary Income Statement

March 31, 2024
INCOME AND EXPENSES
Total Interest Income $ 38.82 million
Total Interest Expense $ 8.09 million
Net interest income $ 30.73 million
Provision for loan and lease losses $ 3.48 million
Total non interest income $ 75.82 million
Total non interest expense $ 91.84 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 20.43
Multifamily
Mortgages
1.94
Credit Card Loans 0.00
Consumer Auto Loans 3.30
Small Business Loans 0.00
Construction and Development Loans 7.97
Commercial Real Estate 18.46
Commercial and Industrial Loans 0.73
Farm Loans 0.00

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