First National Bank
Wichita Falls, TX
IDRSSD: 375566
Total Assets
$1.15B
Latest filing
Total Deposits
$1.03B
Latest filing
Net Interest Margin
3.19%
Profitability
Key People
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Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/29/1986 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 76310 |
| State and County Number | 48485 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 3 |
| Insured by FDIC | Institution closed or not insured by FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Wichita Falls, TX |
Operational Info
| Number of Employees | 117 |
| Domestic Offices | 8 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/01/2026 |
| Date of Deposit Insurance | 01/29/1986 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 01/30/2026 |
| CERT | 26543 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.15B |
| Total Deposits | $1.03B |
| Total Liabilities | $1.05B |
| Total Equity Capital | $105.70M |
| Net Income | $2.64M |
| Net Loans and Leases | $973.76M |
| Assets Per Employee ($Millions) | $10.79M |
| Bank Premises and Fixed Assets | $15.15M |
| Cash and Balances due from Depository Institutions | $82.91M |
| Deposits Held in Domestic Offices | $1.03B |
Key Performance Ratios
| Return on Assets (ROA) | 0.85% |
| Return on Equity (ROE) | 8.41% |
| Net Interest Margin | 3.19% |
| Efficiency Ratio | 77.2% |
| Tier 1 Risk-Based Capital Ratio | 13.641% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.5% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.153% |
| Earning Assets to total Assets | 95.26% |
Income and Expense
| Total Interest Income | $17.02M |
| Total Noninterest Income | $611.00k |
| Total Interest Expense | $7.62M |
| Total Noninterest Expense | $7.77M |
| Net Interest Income | $9.39M |
| Pre-tax Net Operating Income | $3.77M |
| Provision for Credit Losses | $-1,534,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $64.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $1.19M |
| All Other Liabilities | $13.01M |
| Total Liabilities and Capital | $1.15B |
Securities
| Securities | $51.06M |
| Available-for-sale debt securities | $50.74M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $318.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First National Bank?
$1.15B as of the latest filing.
How much are First National Bank's total deposits?
$1.03B in total deposits.
Where is First National Bank located?
Wichita Falls, TX.
What is the Net Interest Margin?
3.19%.
How many domestic offices does it operate?
8.
When was it established?
01/29/1986.
What is the Return on Assets (ROA)?
0.85%.
How much are total loans and leases?
$973.76M (latest filing).
What is the total interest income (latest filing)?
$17.02M.