First National Bank Texas
507 North Gray Street
Killeen, TX 76541
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2020 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 $2.32 billion in assets. Customers can open an account at one of its 325 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 3285 |
| Date Established | 1901 |
| Assets | $ 2.32 billion |
| Loans | $ 1,113.48 million |
| Deposits | $ 2.01 billion |
| Capital | $ 210.91 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 - September 28, 2020
Your Current Location: Washington, WA 98109
| Savings and Money Market Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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Money Market
|
0.08% | $2,500 | $2,999 |
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|
|
Money Market
|
0.08% | $10,000 | $14,999 |
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Money Market
|
0.10% | $25,000 | $29,999 |
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|
| CD Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| 3 Mo CD
|
0.15% | $10,000 | $14,999 |
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|
| 3 Mo CD
|
0.20% | $100,000 | $199,999 |
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|
| 6 Mo CD
|
0.20% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.35% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $1 | $99 | Learn More |
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
Loan Rates - September 28, 2020
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 2020
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 2890 License#: 520-CL-25944 |
2.815% | 2.750% | 0.88 | $2,110 | $1,021 | Learn More |
NMLS ID: 1505422 License#: NMLS #1505422 |
2.823% | 2.750% | 0.50 | $2,358 | $1,021 | Learn More |
Featured - Washington Home Equity Line Of Credit Rates 2020
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|
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
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 |
|---|---|
| 14.16% | 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, First National Bank Texas had $32,217,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $210,913,000 in equity and $16,597,000 in loans loss reserves. That gives it a Texas Ratio of 14.16%.
Return on Equity
| First National Bank Texas | U.S. Bank Average |
|---|---|
| 16.54% | 7.80% |
First National Bank Texas has a Return on Equity of 16.54% 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
| First National Bank Texas | U.S. Bank Average |
|---|---|
| 9.1% | 12.68% |
First National Bank Texas has a Capitalization of 9.1% 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.
First National Bank Texas Balance Sheet Analysis
As of March 31, 2020, First National Bank Texas had assets of $2,318,660,000, loans of $1,113,480,000, and deposits of $2,011,287,000. 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 | $ 466.06 million |
| Interest-bearing balances | $ 223.44 million |
| Total securities | $ 658.91 million |
| Federal funds sold and reverse repurchase | $ 0.03 million |
| Net loans and leases | $ 1,113.48 million |
| Loan loss allowance | $ 16.60 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | N.A. |
| All other assets | $ 62.43 million |
| Total Assets | $ 2.11 billion |
| LIABILITIES | |
|---|---|
| Total deposits | $ 2.01 billion |
| Interest-bearing deposits | $ 585.89 million |
| Deposits held in domestic offices | $ 2.01 billion |
| % insured (estimated) | 92.83% |
| Federal funds purchased and repurchase agreements | $ 50.36 million |
| Trading liabilities | N.A. |
| Other borrowed funds | N.A. |
| Subordinated debt | N.A. |
| All other liabilities | $ 46.10 million |
| Total Liabilities | $ 2.11 billion |
| Shareholders’ Equity | $ 210.91 million |
Summary Income Statement
March 31, 2020| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 16.57 million |
| Total Interest Expense | $ 0.86 million |
| Net interest income | $ 15.71 million |
| Provision for loan and lease losses | $ 4.39 million |
| Total non interest income | $ 73.75 million |
| Total non interest expense | $ 76.89 million |
| Pre-tax Net Operating Income | $ 8.18 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 | 23.54 | ✓ | ||
| Multifamily Mortgages |
1.65 | ✓ | ||
| Credit Card Loans | 0.00 | ✓ | ||
| Consumer Auto Loans | 4.43 | ✓ | ||
| Small Business Loans | 0.00 | ✓ | ||
| Construction and Development Loans | 10.27 | ✓ | ||
| Commercial Real Estate | 18.13 | ✓ | ||
| Commercial and Industrial Loans | 0.59 | ✓ | ||
| Farm Loans | 0.00 | ✓ | ||
Frequently Asked Questions About First National Bank Texas
Branches and Savings
Is First National Bank Texas FDIC insured?
Yes. It is covered under FDIC Certificate #3285.
Why does First National Bank Texas pay such low interest on savings accounts?
See the best online savings rates here. See the best local savings rates here.
Why are First National Bank Texas CD rates not competitive?
See the best online CD rates here. See the best local CD rates here.
Is First National Bank Texas a commercial bank?
Yes
Is First National Bank Texas open on Saturdays?
Is First National Bank Texas open on Sundays?
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Are First National Bank Texas ATMs Open 24/7?
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Does First National Bank Texas require US citizenship to open account?
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Products
Does First National Bank Texas offer home equity lines of credit and home equity loans?
Compare home equity lines of credit rates here.
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