What is First National Bank Texas's financial health grade?

First National Bank Texas has a TFS Financial Health Grade of C+ (score: 72.9/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First National Bank Texas have?

First National Bank Texas has 358 branch locations across the United States.

Is First National Bank Texas FDIC insured?

Yes, First National Bank Texas is FDIC insured (Certificate #3285).

What are the total assets of First National Bank Texas?

First National Bank Texas has total assets of $4.6B as reported in its most recent FDIC filing.

First National Bank Texas: TFS Grade & Financial Health

BankKilleen, Texas

www.1stnb.com

Compare First National Bank TexasCD withdrawal tools

Total Assets

$4.6B

Total Deposits

$4.1B

Branches

358

Established

1901

First National Bank Texas is a bank headquartered in Killeen, Texas, established in 1901. It holds $4.6B in total assets across 358 branch locations. In our editorial opinion, based on public FDIC/NCUA data, First National Bank Texas earns a TFS Financial Health Grade of C+ (72.9/100) — our editorial assessment, not an official rating or financial advice.

TFS Health Grade

C+

72.9 / 100

Average financial health

How we grade

TFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.

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Capital & Safety

Tier 1 Capital Ratio

9.12%(8%)

Total Capital Ratio

20.98%(10%)

Non-Performing Loan Ratio

1.23%

Profitability

Return on Assets (ROA)

1.21%(1%)

Return on Equity (ROE)

18.70%(10%)

Net Interest Margin

3.86%

Efficiency Ratio

84.51%(60%)

Lending & Liquidity

Total Loans

$2.3B

Loan-to-Deposit Ratio

55.14%

Net Charge-Off Ratio

Other banks in Texas

COVENANT SAVINGS

Killeen, TX

$3.7M

A+

Charles Schwab Bank, SSB

Bank

Westlake, TX

$250.8B

Frost Bank

Bank

San Antonio, TX

$54.0B

Prosperity Bank

Bank

Branch	Address	City	State	Type
First National Bank TexasHQ	901 E Central Texas Expy	Killeen	TX	21
First National Bank Texas	3150 Harrison Street	Batesville	AR	11
First National Bank Texas	17309 Interstate 30 S	Benton	AR	11
First National Bank Texas	400 Bryant Ave	Bryant	AR	11
First National Bank Texas	304 S Rockwood Dr	Cabot	AR	11
First National Bank Texas	2875 W Martin Luther King Jr Blvd	Fayetteville	AR	11
First National Bank Texas	2425 South Zero Street	Fort Smith	AR	11
First National Bank Texas	8301 Rogers Avenue	Fort Smith	AR	12
First National Bank Texas	2000 John Harden Dr	Jacksonville	AR	11
First National Bank Texas	1815 E Highland Dr	Jonesboro	AR	11
First National Bank Texas	2700 South Shackleford Road	Little Rock	AR	12
First National Bank Texas	8801 Baeline Road	Little Rock	AR	12
First National Bank Texas	4450 E Mccain Blvd	North Little Rock	AR	12
First National Bank Texas	11 Halsted Cir	Rogers	AR	11
First National Bank Texas	3509 E Race Ave	Searcy	AR	11
First National Bank Texas	2901 Highway 412 E	Siloam Springs	AR	11
First National Bank Texas	2004 South Pleasant Street	Springdale	AR	12
First National Bank Texas	133 Arkansas Blvd	Texarkana	AR	11
First National Bank Texas	2840 Highway 95	Bullhead City	AZ	11
First National Bank Texas	1741 E Florence Blvd	Casa Grande	AZ	11
First National Bank Texas	1175 S Arizona Ave	Chandler	AZ	12
First National Bank Texas	2003 E Rodeo Dr	Cottonwood	AZ	12
First National Bank Texas	5010 N. 95th Avenue	Glendale	AZ	11
First National Bank Texas	1100 N Estrella Pkwy	Goodyear	AZ	12
First National Bank Texas	3396 N Stockton Hill Rd	Kingman	AZ	11
First National Bank Texas	1710 S Greenfield Rd	Mesa	AZ	12
First National Bank Texas	240 W Baseline Rd	Mesa	AZ	12
First National Bank Texas	1955 S Stapley Dr	Mesa	AZ	12
First National Bank Texas	857 N Dobson Rd	Mesa	AZ	11
First National Bank Texas	100 W White Park Dr	Nogales	AZ	12
First National Bank Texas	2020 N 75th Ave	Phoenix	AZ	11
First National Bank Texas	4617 E Bell Rd	Phoenix	AZ	12
First National Bank Texas	1607 West Bethany Home Road	Phoenix	AZ	11
First National Bank Texas	6150 S 35th Ave	Phoenix	AZ	12
First National Bank Texas	1602 E Roosevelt St	Phoenix	AZ	12
First National Bank Texas	3721 E Thomas Rd	Phoenix	AZ	12
First National Bank Texas	3223 W Indian School Rd	Phoenix	AZ	12
First National Bank Texas	6145 N 35th Ave	Phoenix	AZ	12
First National Bank Texas	14111 N Prasada Gateway Ave	Surprise	AZ	12
First National Bank Texas	1380 W Elliot Rd	Tempe	AZ	11
First National Bank Texas	1260 E Tucson Marketplace Blvd	Tucson	AZ	12
First National Bank Texas	8280 N Cortaro Rd	Tucson	AZ	12
First National Bank Texas	233 S New York Ave	Alamogordo	NM	12
First National Bank Texas	400 Eubank Blvd Ne	Albuquerque	NM	12
First National Bank Texas	4201 Central Ave Nw	Albuquerque	NM	12
First National Bank Texas	2266 Wyoming Blvd Ne	Albuquerque	NM	12
First National Bank Texas	3500 Coors Blvd Sw	Albuquerque	NM	11
First National Bank Texas	2701 Carlisle Blvd Ne	Albuquerque	NM	11
First National Bank Texas	2550 Coors Blvd Nw	Albuquerque	NM	11
First National Bank Texas	460 Highway 528	Bernalillo	NM	12

Showing 50 of 358 branches

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

No institution-level regulatory actions are currently published in TFS's exact-ID registry. Coverage is curated and this does not prove that no action exists.

Institution Details

Institution TypeBank

FDIC Certificate #3285

Primary RegulatorOCC

FDIC/NCUA InsuredYes

Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.

Same-period peer analysis · 2026-Q2

First National Bank Texas compared with similar banks

Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.

Choose another

TFS health score

72.9

worse than peers

25th percentileMedian 78.4

Tier 1 capital ratio

9.12%

worse than peers

17th percentileMedian 10.86%

Return on assets

1.21%

worse than peers

32nd percentileMedian 1.43%

Non-performing loans

1.23%

worse than peers

32nd percentileMedian 0.62%

Efficiency ratio

84.51%

worse than peers

7th percentileMedian 57.68%

Asset growth (YoY)

7.49%

better than peers

70th percentileMedian 4.50%

Suggested direct comparisons

Closest useful peers

View TX rankings

A-

Same state

VeraBank, National Association

Henderson, TX

$4.6B

C+

Same state

International Bank of Commerce

Brownsville, TX

$4.6B

D+

Same state

Texas Exchange Bank

First National Bank Texas: TFS Grade & Financial Health

Capital & Safety

Profitability

Lending & Liquidity

Other banks in Texas

COVENANT SAVINGS

Charles Schwab Bank, SSB

Frost Bank

Prosperity Bank

Growth

Institution Details

First National Bank Texas compared with similar banks

Closest useful peers

Texas Capital Bank

Charles Schwab Premier Bank, SSB