Total Assets
$4.5B
Total balance-sheet footings
FDIC Cert #3285 · Killeen, Texas · Est. 1901
First National Bank Texas - FDIC Bank Health Profile
A community-scale look at First National Bank Texas's own numbers, pulled straight from its quarterly FDIC Call Report.
- $4.5B
- Total assets
- B
- Health grade · Good
- 1.07%
- Return on assets
- 19.1%
- Tier 1 capital
Data updated July 2026
The verdict
First National Bank Texas earns a PlainBankData health grade of B (76/100), with well-capitalized at 19.12% Tier 1, profitable at 1.07% ROA, 85% efficiency ratio.
- #310
- largest of 4,313 FDIC banks by assets
- 93rd
- percentile by asset size, nationally
- 19.12%
- Tier 1 ratio - above the 10% well-capitalized line
- 48th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How First National Bank Texas's 76/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First National Bank Texas's composite health score
Tier 1 Capital Ratio (19.12%) 40/40
Return on Assets (ROA) (1.07%) 20/25
Texas Ratio (9.58%) 16/20
Efficiency Ratio (85.20%) 0/15
76 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$4.0B
Customer-funded liabilities
Net Loans
$2.2B
Outstanding loan book
Net Income
$46M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First National Bank Texas ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First National Bank Texas's score of 76/100 falls in the highlighted band.
First National Bank Texas's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First National Bank Texas's $4.5B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
19.12% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
19.12%
Texas Ratio
9.58%
Equity Capital
$289M
Profitability metrics
Return on Assets (ROA)
48th percentile nationally
1.07%
Return on Equity (ROE)
18.23%
Efficiency Ratio
85.20%
What the numbers say about First National Bank Texas
First National Bank Texas is an FDIC-insured institution (Certificate #3285) headquartered in Killeen, Texas, established in 1901. It holds $4.5B in total assets - 310th of 4,313 FDIC-insured banks, $4.0B in customer deposits, and $2.2B in net loans. Capital-wise, the Tier 1 ratio sits at 19.12%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 9.58%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (76 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, First National Bank Texas sits in the top decile of all FDIC-insured institutions by asset size (310th of 4,313), and within Texas it ranks 22nd of 350 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Texas Exchange Bank, at $4.5B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$173M
Interest Income
$330M
Non-Interest Income
$405M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First National Bank Texas reports a Texas Ratio of 9.58% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
9.58% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Texas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First National Bank Texas (FDIC Cert #3285) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Charles Schwab Bank, SSBWestlake | $253.8B | A | 0.94% |
| Frost BankSan Antonio | $53.1B | A | 1.26% |
| Prosperity BankEl Campo | $38.5B | A | 1.44% |
| Texas Capital BankDallas | $31.3B | A | 1.10% |
| Charles Schwab Premier Bank, SSBWestlake | $27.0B | A | 1.47% |
| First Financial BankAbilene | $15.4B | A | 1.64% |
| NexBankDallas | $13.9B | A | 1.17% |
| PlainsCapital BankUniversity Park | $12.7B | B | 1.05% |
Frequently asked questions
What is First National Bank Texas's health grade?▼
First National Bank Texas receives a health grade of B (76/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is First National Bank Texas?▼
First National Bank Texas holds $4.5B in total assets and $4.0B in deposits, ranking 310th of 4,313 FDIC-insured banks by asset size. It is headquartered in Killeen, Texas.
Is my money safe at First National Bank Texas?▼
Yes, deposits at First National Bank Texas (Certificate #3285) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First National Bank Texas's Tier 1 Capital Ratio?▼
First National Bank Texas has a Tier 1 Capital Ratio of 19.12%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First National Bank Texas?▼
First National Bank Texas has a Texas Ratio of 9.58%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First National Bank Texas?▼
First National Bank Texas has an Efficiency Ratio of 85.20%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First National Bank Texas's profile as a depositor or analyst.
- First National Bank Texas's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First National Bank Texas against other Texas banks before moving funds. Texas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.