507 North Gray Street
Killeen, TX 76541
First National Bank Texas is an FDIC insured institution located in Killeen, TX. It was founded in 1901 and has approximately $2.03 billion in assets. Customers can open an account at one of its 325 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 3285 |
| Date Established | 1901 |
| Assets | $2.03 billion |
| Loans | $1.06 billion |
| Deposits | $1.74 billion |
| Capital | $0.19 billion |
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.
Your Current Location: Virginia, VA 20146
| Savings and Money Market Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $1 | $24,999 | Learn More |
|
Money Market
|
0.08% | $2,500 | $24,999 | Learn More |
|
Money Market
|
0.12% | $25,000 | $49,999 | Learn More |
| Fixed IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
|
|
0.35% | $500 | $49,999 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $1 | - | Learn More |
Your Current Location: Virginia, VA 20146
There are currently no loan rates available for First National Bank Texas
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Your Location:
Ashburn,Virginia
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.
| First National Bank Texas | U.S. Bank Average |
|---|---|
| 15.27% | 6.70% |
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 September 30, 2019, First National Bank Texas had $31,725,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $192,667,000 in equity and $15,120,000 in loans loss reserves. That gives it a Texas Ratio of 15.27%.
| First National Bank Texas | U.S. Bank Average |
|---|---|
| 21.8% | 9.72% |
First National Bank Texas has a Return on Equity of 21.8% versus the BestCashCow average of 9.72%. 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.
| First National Bank Texas | U.S. Bank Average |
|---|---|
| 9.48% | 12.89% |
First National Bank Texas has a Capitalization of 9.48% versus the BestCashCow average of 12.89. 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.
As of September 30, 2019, First National Bank Texas had assets of $2,033,120,000, loans of $1,058,623,000, and deposits of $1,735,187,000. 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.
| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $0.29 billion |
| Interest-bearing balances | $0.10 billion |
| Total securities | $0.61 billion |
| Federal funds sold and reverse repurchase | $0.00 billion |
| Net loans and leases | $1.06 billion |
| Loan loss allowance | $0.02 billion |
| Trading account assets | $0.00 billion |
| Bank premises and fixed assets | $0.00 billion |
| Other real estate owned | $0.00 billion |
| Goodwill and other intangibles | $0.00 billion |
| All other assets | $0.06 billion |
| Total Assets | $1.84 billion |
| LIABILITIES | |
|---|---|
| Total deposits | $1.74 billion |
| Interest-bearing deposits | $0.56 billion |
| Deposits held in domestic offices | $1.74 billion |
| % insured (estimated) | 92.48% |
| Federal funds purchased and repurchase agreements | $0.05 billion |
| Trading liabilities | $0.00 billion |
| Other borrowed funds | $0.00 billion |
| Subordinated debt | $0.00 billion |
| All other liabilities | $0.05 billion |
| Total Liabilities | $1.84 billion |
| Shareholders’ Equity | $0.19 billion |
| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $0.05 billion |
| Total Interest Expense | $0.00 billion |
| Net interest income | $0.05 billion |
| Provision for loan and lease losses | $0.02 billion |
| Total non interest income | $0.22 billion |
| Total non interest expense | $0.22 billion |
| Pre-tax Net Operating Income | $0.03 billion |
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 | 23.42 | ✓ | ||
| Multifamily Mortgages |
2.16 | ✓ | ||
| Credit Card Loans | 0.00 | ✓ | ||
| Consumer Auto Loans | 4.64 | ✓ | ||
| Small Business Loans | 0.00 | ✓ | ||
| Construction and Development Loans | 8.32 | ✓ | ||
| Commercial Real Estate | 16.62 | ✓ | ||
| Commercial and Industrial Loans | 0.57 | ✓ | ||
| Farm Loans | 0.00 | ✓ | ||
Yes. It is covered under FDIC Certificate #3285.
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Yes
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