First National Bank
Wichita Falls, TX
IDRSSD: 375566
Total Assets
$1.32B
Latest filing
Total Deposits
$1.12B
Latest filing
Net Interest Margin
2.88%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First National Bank
3801 Fairway Blvd
Wichita Falls, TX 76310
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/29/1986FDIC Certificate 35232
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First National Bank (Main) | 3801 Fairway Blvd | Wichita Falls, TX |
| OLD FIRST STATE BANK BRANCH | 201 S Weatherford St | Chico, TX |
| RUNAWAY BAY BRANCH | 102 Port O Call Dr | Runaway Bay, TX |
| MIDWESTERN BRANCH | 2304 Midwestern Pkwy | Wichita Falls, TX |
| SOUTHLAKE BRANCH | 605 W State Highway 114 | Southlake, TX |
| PARADISE BRANCH | 630 Main St | Paradise, TX |
| BRIDGEPORT BRANCH | 1709 9th St | Bridgeport, TX |
| FIRST NATIONAL BANK MORTGAGE BRANCH | 402 N Carroll Ave | Southlake, TX |
Showing 7 of 7
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 | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Wichita Falls, TX |
Operational Info
| Number of Employees | 123 |
| Domestic Offices | 8 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/29/1986 |
| Primary Insurance Agency | DIF |
| Website | https://www.fnbtx.com |
| Data Updated | 11/14/2025 |
| CERT | 26543 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.32B |
| Total Deposits | $1.12B |
| Total Liabilities | $1.17B |
| Total Equity Capital | $145.19M |
| Net Income | $2.87M |
| Net Loans and Leases | $1.08B |
| Assets Per Employee ($Millions) | $11.24M |
| Bank Premises and Fixed Assets | $15.65M |
| Cash and Balances due from Depository Institutions | $128.91M |
| Deposits Held in Domestic Offices | $1.12B |
Key Performance Ratios
| Return on Assets (ROA) | 0.85% |
| Return on Equity (ROE) | 7.68% |
| Net Interest Margin | 2.88% |
| Efficiency Ratio | 64.8% |
| Tier 1 Risk-Based Capital Ratio | 17.272% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.02% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.041% |
| Earning Assets to total Assets | 95.48% |
Income and Expense
| Total Interest Income | $17.88M |
| Total Noninterest Income | $512.00k |
| Total Interest Expense | $8.61M |
| Total Noninterest Expense | $6.38M |
| Net Interest Income | $9.27M |
| Pre-tax Net Operating Income | $3.46M |
| Provision for Credit Losses | $-67,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $30.10M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $1.78M |
| All Other Liabilities | $19.90M |
| Total Liabilities and Capital | $1.32B |
Securities
| Securities | $52.39M |
| Available-for-sale debt securities | $52.02M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $364.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First National Bank?
$1.32B as of the latest filing.
How much are First National Bank's total deposits?
$1.12B in total deposits.
Where is First National Bank located?
Wichita Falls, TX.
What is the Net Interest Margin?
2.88%.
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?
$1.08B (latest filing).
What is the total interest income (latest filing)?
$17.88M.