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
Branches
Climate
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 - July 5, 2025

Your Current Location: New York, NY 10116

Loan Rates - July 5, 2025

Your Current Location: New York, NY 10116

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 - New York 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 292473	6.357%	6.250% 0.50 points $3,633 fees	$1,971	Learn More
NMLS ID: 401822	6.632%	6.500% 0.75 points $4,395 fees	$2,023	Learn More
NMLS ID: 3030		points fees		Learn More
NMLS ID: 401822		points fees		Learn More

See More Mortgage Rates →

Featured - New York Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
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]

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:
New York City,New York

First National Bank Texas Locations around zip code 10116

Branch	Distance	Map	View Lobby Hours
New Boston Banking Center - Rc 894	1191.33	A	View Lobby Hours
Tomlinson Parkway Banking Center - R	1235.31	B	View Lobby Hours
Longview Banking Center - Rc 693 Bra	1237.65	C	View Lobby Hours
Kilgore Banking Center - Rc 572 Bran	1246.18	D	View Lobby Hours
Sulphur Springs Banking Center - Rc	1259.22	E	View Lobby Hours
Nacogdoches Banking Center Rc-611	1260.95	F	View Lobby Hours
Tyler Hwy 110 Banking Center - Rc 68	1267.84	G	View Lobby Hours
Lindale Banking Center - Rc 673 Bran	1268.26	H	View Lobby Hours
Lufkin Banking Center Rc-462	1276.52	I	View Lobby Hours
West Orange Banking Center - Rc 469	1278.85	J	View Lobby Hours
Wesley Super 1 Banking Center - Rc 8	1283.51	K	View Lobby Hours
Greenville Banking Center - Rc 823	1285.04	L	View Lobby Hours
Quinlan Banking Center - Rc 639 Bran	1290.53	M	View Lobby Hours
Sherman Banking Center - Rc 820	1293.15	N	View Lobby Hours
Swm - Port Arthur - Rc 441	1294.50	O	View Lobby Hours
Beaumont Banking Center - Rc 468 Bra	1295.10	P	View Lobby Hours
Palestine Banking Center - Rc 604	1304.01	Q	View Lobby Hours
Mckinney Banking Center - Rc 830	1305.89	R	View Lobby Hours
West Rusk Banking Center - Rc 874	1306.44	S	View Lobby Hours
White Hills Banking Center - Rc 696	1306.85	T	View Lobby Hours
Exchange Parkway Banking Center - Rc	1309.01	U	View Lobby Hours
Swm - Lucas Banking Center - Rc 457	1309.21	V	View Lobby Hours
Forney Banking Center - Rc 664	1311.54	W	View Lobby Hours
Garland Banking Center - Rc 832	1315.44	X	View Lobby Hours
Frisco Banking Center - Rc 415 Branc	1316.43	Y	View Lobby Hours
Mesquite Banking Center - Rc 806	1316.61	Z	View Lobby Hours

View Branches Nationwide →

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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