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. 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% →

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
District Lending
NMLS ID: 1835285
6.356% 6.250%
0.63 points
$3,600 fees
$1,971 Learn More
Basis Lending, LLC
NMLS ID: 2463124
6.380% 6.250%
0.38 points
$4,506 fees
$1,971 Learn More
Tomo Mortgage, LLC.
NMLS ID: 2059741
6.560% 6.490%
0.75 points
$2,326 fees
$2,021 Learn More
Barrett Financial Group
NMLS ID: 181106
License#: 1998387
6.563% 6.375%
0.88 points
$6,426 fees
$1,997 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2025

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity
Figure Home Equity
See Table
Intro APR 7.150 %
After Intro: 7.150 %
$15,000 Learn More
More Info
Four Leaf Federal Credit Union
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
Achieve Loans
Achieve Loans
See Table
Intro APR 10.125 %
After Intro: 10.125 %
$0 Learn More
More Info

Note to First National Bank Texas
To upload and update your bank's rates please register. It is free to register and add rates.

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


BranchDistance 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


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

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