First National Bank Texas
Killeen, TX
IDRSSD: 613950
Total Assets
$4.51B
Latest filing
Total Deposits
$3.99B
Latest filing
Net Interest Margin
3.85%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
111905609GILMER, TX
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First National Bank Texas
901 E Central Texas Expy
Killeen, TX 76541
Limited Service - Administrative
Updated 01/30/2026Established 02/27/1901FDIC Certificate 2124
Branches (355)
Page 1 of 51| Name | Address | City / State |
|---|---|---|
| First National Bank Texas (Main) | 901 E Central Texas Expy | Killeen, TX |
| TJ MILLS FORT HOOD BRANCH RC211 | 109 Tj Mills Boulevard | Fort Hood, TX |
| EAST DAVIS BANKING CENTER - RC 310 | 704 E Davis St | Conroe, TX |
| HOUSTON BANKING CENTER - RC 510 | 5801 Gessner Rd | Houston, TX |
| BLAIRS WILLIS BANKING CENTER - RC 330 | 504 S Danville St | Willis, TX |
| COPPERAS COVE BRANCH - RC 120 | 2990 E Business 190 | Copperas Cove, TX |
| HARKER HEIGHTS BRANCH - RC 121 | 601 Indian Trl | Harker Heights, TX |
| CONROE WEST LOOP BANKING CENTER - RC 505 | 3830 W Davis St | Conroe, TX |
Showing 7 of 355
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 | 02/27/1901 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 76541 |
| State and County Number | 48027 |
| Subchapter S Corporations | Yes |
| 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 | Killeen-Temple, TX |
Operational Info
| Number of Employees | 3,116 |
| Domestic Offices | 354 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.1stnb.com |
| Data Updated | 01/30/2026 |
| CERT | 3285 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $4.51B |
| Total Deposits | $3.99B |
| Total Liabilities | $4.22B |
| Total Equity Capital | $288.52M |
| Net Income | $11.69M |
| Net Loans and Leases | $2.18B |
| Assets Per Employee ($Millions) | $1.43M |
| Bank Premises and Fixed Assets | $119.26M |
| Cash and Balances due from Depository Institutions | $465.92M |
| Deposits Held in Domestic Offices | $3.99B |
Key Performance Ratios
| Return on Assets (ROA) | 1.06% |
| Return on Equity (ROE) | 16.54% |
| Net Interest Margin | 3.85% |
| Efficiency Ratio | 84.96% |
| Tier 1 Risk-Based Capital Ratio | 19.116% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.56% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.401% |
| Earning Assets to total Assets | 86.24% |
Income and Expense
| Total Interest Income | $44.73M |
| Total Noninterest Income | $82.14M |
| Total Interest Expense | $7.73M |
| Total Noninterest Expense | $101.22M |
| Net Interest Income | $37.00M |
| Pre-tax Net Operating Income | $11.71M |
| Provision for Credit Losses | $6.20M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $538.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $63.89M |
| All Other Liabilities | $170.00M |
| Total Liabilities and Capital | $4.51B |
Securities
| Securities | $1.60B |
| Available-for-sale debt securities | $1.42B |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $181.89M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First National Bank Texas?
$4.51B as of the latest filing.
How much are First National Bank Texas's total deposits?
$3.99B in total deposits.
Where is First National Bank Texas located?
Killeen, TX.
What is the Net Interest Margin?
3.85%.
How many domestic offices does it operate?
354.
When was it established?
02/27/1901.
What is the Return on Assets (ROA)?
1.06%.
How much are total loans and leases?
$2.18B (latest filing).
What is the total interest income (latest filing)?
$44.73M.