TellerScore

Headquartered in Killeen, Texas, First National Bank Texas is a national bank with $4.6B in total assets and $4.1B in deposits as of Q2 2026. It operates 357 offices across 4 states. Its charter dates back to 1901.

Based on its Q2 2026 filing, First National Bank Texas scores 64/100, which we describe as moderate. That is higher than only 33% of 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 271st. Its strongest component is funding & liquidity (100/100; 55% loans-to-deposits, 9% uninsured), and its lowest is capital cushion (41/100; 9.12%).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Tier 1 leverage ratio: 9.12%
Loan quality59/100
Noncurrent loans ÷ total loans: 1.23%
Earnings69/100
Return on assets (annualized): 1.21%
Funding & liquidity100/100
Loans ÷ deposits and uninsured-deposit share: 55.1% · 8.5% uninsured
Problem-loan coverage83/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 8.63%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (63 → 64).

TellerScore
566064Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202456
Q3 202459
Q4 202459
Q1 202562
Q2 202563
Q3 202563
Q4 202562
Q1 202664
Q2 202664
Tier 1 leverage ratio
5.00%7.09%9.18%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.11%
Q3 20249.11%
Q4 20249.12%
Q1 20259.18%
Q2 20259.04%
Q3 20259.10%
Q4 20259.12%
Q1 20269.14%
Q2 20269.12%
Noncurrent loans
1.15%1.47%1.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.80%
Q3 20241.53%
Q4 20241.57%
Q1 20251.34%
Q2 20251.20%
Q3 20251.27%
Q4 20251.37%
Q1 20261.15%
Q2 20261.23%
Return on assets
1.00%1.11%1.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.00%
Q3 20241.00%
Q4 20241.00%
Q1 20251.09%
Q2 20251.08%
Q3 20251.08%
Q4 20251.07%
Q1 20261.11%
Q2 20261.21%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$4.6B9.12%1.23%1.21%55.1%
Q1 202664$4.7B9.14%1.15%1.11%53.8%
Q4 202562$4.5B9.12%1.37%1.07%54.7%
Q3 202563$4.3B9.10%1.27%1.08%56.8%
Q2 202563$4.3B9.04%1.20%1.08%55.4%
Q1 202562$4.4B9.18%1.34%1.09%52.5%
Q4 202459$4.1B9.12%1.57%1.00%56.2%
Q3 202459$4.2B9.11%1.53%1.00%53.8%
Q2 202456$4.2B9.11%1.80%1.00%50.9%

897 peers · $1 billion – $10 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).

Capital ratio9.12%
16th
Total risk-based capital20.98%
93rd
Problem loans1.23%
22nd
Net charge-offs0.84%
5th
Return on assets1.21%
46th
Net interest margin3.86%
60th
Efficiency ratio84.5%
3rd
Loans to deposits55.1%
95th
Uninsured deposits8.5%
97th
Loan-loss reserves1.27%
67th
Texas ratio8.6%
21st

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
VeraBank, National AssociationBank Henderson, TX72 out of 100, Strong$4.6B11.0%0.96%vs
International Bank of CommerceBank Brownsville, TX64 out of 100, Moderate$4.6B14.5%9.17%vs
Texas Exchange BankBank Crowley, TX80 out of 100, Strong$4.5B12.4%0.00%vs
Texas Bank and Trust CompanyBank Longview, TX75 out of 100, Strong$4.3B13.1%0.61%vs
Inwood National BankBank Dallas, TX74 out of 100, Strong$4.3B10.8%0.37%vs
Vantage Bank TexasBank San Antonio, TX61 out of 100, Moderate$5.1B9.0%0.87%vs

Deposit insurance

Is my money safe at First National Bank Texas?

Yes. First National Bank Texas is an FDIC-insured institution (FDIC certificate #3285). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 8.5% of deposits ($349.0M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.12%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.98% (benchmark: 10%).

Check how much of your own balance is covered

357 locations

Branches

First National Bank Texas lists 355 offices in 169 cities across 4 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First National Bank Texas reported 1,549 home-loan applications under HMDA (LEI 5493006KQF5UKZ3Y9N07): 1,212 originated ($347,530,000 total), 48 denied, and 287 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.8%, 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 Texas
Former names
First National Bank; The First National Bank of Killeen
Type
National bank
FDIC certificate #
3285
RSSD ID
613950
Primary regulator
OCC
Holding company
First Community Bancshares Inc
Established
February 27, 1901
Headquarters
901 E Central Texas Expy, Killeen, TX 76541
Employees
3,176

Quick answers

First National Bank Texas: common questions

Is First National Bank Texas FDIC insured?

Yes. First National Bank Texas is an FDIC-insured institution (FDIC certificate #3285). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First National Bank Texas's TellerScore?

64 out of 100 (Moderate), 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 Texas ever failed?

There is no failure record for FDIC certificate #3285 in the FDIC failed bank list.

How many branches does First National Bank Texas have?

357 offices as of the latest FDIC data, in 4 states.

Nearby

Highest-scoring banks and credit unions with branches near Killeen

InstitutionScoreAssetsCapitalProblem loansCompare
Educators Credit UnionCredit union Waco, TX99 out of 100, Very strong$609.5M20.3%0.17%vs
The First National Bank of MoodyBank Moody, TX92 out of 100, Very strong$54.2M18.3%0.00%vs
Citizens National BankBank Cameron, TX86 out of 100, Very strong$691.8M12.7%0.00%vs
Grandview BankBank Grandview, TX81 out of 100, Strong$729.3M12.4%0.12%vs
First Texas BankBank Georgetown, TX80 out of 100, Strong$1.3B11.2%0.58%vs
Greater Central Texas Federal Credit UnionCredit union Killeen, TX80 out of 100, Strong$34.2M11.3%0.00%vs