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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
First National Bank Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 23, 2026
First National Bank rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.85%, 6-month CD rates at 2.75% and 3-month CD rates at 2.56%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not First National Bank, and you can see how they compare in the First National Bank rate tables below. MonitorBankRates evaluates the financial stability of First National Bank with a 3.5 Star Rating, an C Overall Health Grade, and a Texas Ratio of 21.45%. Database rates last updated and verified on 09/23/2026. First National Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First National Bank? Share your experience about First National Bank by leaving a review below, or read customer reviews before you decide to use First National Bank. 
Current Rate AvailabilityWe're not currently displaying rates for First National Bank, but our database is updated constantly, so check back soon for the latest offers. Are you with First National Bank? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates. Financial Health HistoryFirst National Bank’s Texas Ratio fell from 32.65% in Q4 2023 to 21.45% in Q2 2026, so its financial health has improved over the past 11 quarters. Over the same period its Star Rating moved from 1.0 to 3.5 and its Health Grade from F to C. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for First National Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather First National Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with First National Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
First National Bank
Bank Holding Company
ROTAN BANCSHARES INC
Address
118 N Garfield Ave,
Rotan, TX 79546 · Fisher
Website
https://www.fnbrotan.com
FDIC Certificate #
34455
Established
19970401
FDIC Insurance Date
19970401
Domestic Offices
1
Total Branches
1
Regulator
OCC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsC
Overall Health Grade
Score: 74/100
3.5
Very Good
Out of 5.0 Stars
21.45%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.7146%
Return on Equity (ROE)
12.0700%
Non-Performing Loans (NPL)
1.30%
Total Assets
$96,486,000
Total Deposits
$90,399,000
Equity Capital
$5,832,000
Net Income
$343,000
Headquarters
Rotan
Total Branches and Offices
1
Source: FDIC | Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for First National Bank
Frequently Asked Questions About First National BankHow many branches does First National Bank operate?First National Bank currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, First National Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, First National Bank provides members with tools to manage their accounts and build a solid financial history. Does First National Bank offer online and mobile banking?Most modern institutions like First National Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fnbrotan.com. Compare to Other Banks
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