Headquartered in Weatherford, Texas, First National Bank and Trust Company of Weatherford is a national bank with $968.3M in total assets and $869.7M in deposits as of Q2 2026. It operates 16 offices. Its charter dates back to 1880.
Based on its Q2 2026 filing, First National Bank and Trust Company of Weatherford scores 42/100, which we describe as below average. That is higher than only 3% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 342nd. Its strongest component is funding & liquidity (89/100; 57% loans-to-deposits, 25% uninsured), and its lowest is loan quality (0/100; 5.51%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (40 → 42), mostly because the problem-loan coverage component improved by 17 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 38 |
| Q4 2024 | 38 |
| Q1 2025 | 38 |
| Q2 2025 | 40 |
| Q3 2025 | 40 |
| Q4 2025 | 40 |
| Q1 2026 | 40 |
| Q2 2026 | 42 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.82% |
| Q3 2024 | 9.79% |
| Q4 2024 | 9.80% |
| Q1 2025 | 9.84% |
| Q2 2025 | 10.03% |
| Q3 2025 | 10.00% |
| Q4 2025 | 10.02% |
| Q1 2026 | 10.20% |
| Q2 2026 | 10.44% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.74% |
| Q3 2024 | 4.67% |
| Q4 2024 | 4.95% |
| Q1 2025 | 5.21% |
| Q2 2025 | 5.83% |
| Q3 2025 | 5.84% |
| Q4 2025 | 5.49% |
| Q1 2026 | 5.50% |
| Q2 2026 | 5.51% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.96% |
| Q3 2024 | 0.56% |
| Q4 2024 | 0.63% |
| Q1 2025 | 0.70% |
| Q2 2025 | 0.69% |
| Q3 2025 | 0.61% |
| Q4 2025 | 0.57% |
| Q1 2026 | 0.49% |
| Q2 2026 | 0.45% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 42 | $968.3M | 10.44% | 5.51% | 0.45% | 56.6% |
| Q1 2026 | 40 | $965.4M | 10.20% | 5.50% | 0.49% | 61.1% |
| Q4 2025 | 40 | $978.8M | 10.02% | 5.49% | 0.57% | 62.2% |
| Q3 2025 | 40 | $975.6M | 10.00% | 5.84% | 0.61% | 66.3% |
| Q2 2025 | 40 | $1.0B | 10.03% | 5.83% | 0.69% | 66.9% |
| Q1 2025 | 38 | $1.0B | 9.84% | 5.21% | 0.70% | 73.5% |
| Q4 2024 | 38 | $1.0B | 9.80% | 4.95% | 0.63% | 74.9% |
| Q3 2024 | 38 | $1.0B | 9.79% | 4.67% | 0.56% | 75.0% |
| Q2 2024 | 65 | $1.0B | 9.82% | 0.74% | 0.96% | 78.7% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Transpecos Banks, SSBBank Pecos, TX | 14 out of 100, Low | $972.1M | 6.7% | 8.15% | vs |
| Round Top State BankBank Round Top, TX | 80 out of 100, Strong | $974.1M | 11.9% | 0.36% | vs |
| Tolleson Private BankBank Dallas, TX | 68 out of 100, Moderate | $982.0M | 9.4% | 0.00% | vs |
| Texas BankBank Henderson, TX | 70 out of 100, Strong | $953.9M | 10.6% | 0.46% | vs |
| Western BankBank Lubbock, TX | 71 out of 100, Strong | $947.2M | 9.8% | 0.31% | vs |
| The First National Bank of GranburyBank Granbury, TX | 78 out of 100, Strong | $946.3M | 12.1% | 0.78% | vs |
Deposit insurance
Is my money safe at First National Bank and Trust Company of Weatherford?
Yes. First National Bank and Trust Company of Weatherford is an FDIC-insured institution (FDIC certificate #5575). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.9% of deposits ($216.9M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.44%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
16 locations
Branches
First National Bank and Trust Company of Weatherford lists 14 offices in 11 cities. Most locations:
- Abilene, TX (3)
- Weatherford, TX (2)
- Baird, TX (1)
- Bedford, TX (1)
- Clyde, TX (1)
- Grapevine, TX (1)
- Haskell, TX (1)
- Hudson Oaks, TX (1)
- Munday, TX (1)
- Stamford, TX (1)
- Willow Park, TX (1)
HMDA 2025
Mortgage lending
In 2025, First National Bank and Trust Company of Weatherford reported 117 home-loan applications under HMDA (LEI 5493001LCP9RF6ADEZ78): 63 originated ($15,235,000 total), 33 denied, and 18 withdrawn or closed by the applicant. Its denial rate on decided applications was 33.3%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- First National Bank and Trust Company of Weatherford
- Former names
- The First National Bank of Weatherford
- Type
- National bank
- FDIC certificate #
- 5575
- RSSD ID
- 614368
- Primary regulator
- OCC
- Holding company
- First Baird Bancshares Inc
- Established
- May 15, 1880
- Headquarters
- 220 Palo Pinto St, Weatherford, TX 76086
- Website
- www.go2fbt.bank
- Employees
- 187
Quick answers
First National Bank and Trust Company of Weatherford: common questions
Is First National Bank and Trust Company of Weatherford FDIC insured?
Yes. First National Bank and Trust Company of Weatherford is an FDIC-insured institution (FDIC certificate #5575). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First National Bank and Trust Company of Weatherford's TellerScore?
42 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First National Bank and Trust Company of Weatherford ever failed?
There is no failure record for FDIC certificate #5575 in the FDIC failed bank list.
How many branches does First National Bank and Trust Company of Weatherford have?
16 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Weatherford
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Eecu Credit UnionCredit union Fort Worth, TX | 81 out of 100, Strong | $4.9B | 12.7% | 0.45% | vs |
| Grandview BankBank Grandview, TX | 81 out of 100, Strong | $729.3M | 12.4% | 0.12% | vs |
| First BankBank Burkburnett, TX | 81 out of 100, Strong | $703.6M | 13.9% | 0.80% | vs |
| TexasBankBank Fort Worth, TX | 80 out of 100, Strong | $2.5B | 12.9% | 0.41% | vs |
| Clear Fork Bank, National AssociationBank Albany, TX | 79 out of 100, Strong | $1.0B | 10.6% | 0.26% | vs |
| Centennial BankBank Conway, AR | 79 out of 100, Strong | $24.6B | 12.6% | 0.55% | vs |