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First National Bank Texas

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First National Bank Texas Rates & Review March 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First National Bank Texas provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 28, 2026

First National Bank Texas's Personal Loan Rates are at 4.43%. MonitorBankRates evaluates the financial stability of First National Bank Texas with a 5.0 Star Rating, an D Overall Health Grade, and a Texas Ratio of 63.89%. Rates were last updated on 03/28/2026.

First National Bank Texas 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 Texas? Share your experience about First National Bank Texas by leaving a review below, or read customer reviews before you decide to use First National Bank Texas.

Overall Health & Safety Grade

Weak Health Score: 68/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

63.89%

Weak Higher than avg

First National Bank Texas

901 E Central Texas Expy
Killeen, TX 76541

https://www.1stnb.com

First National Bank Texas Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	4.43%	66
Details Offer excludes refinancing of existing First National Bank Texas, First Convenience Bank, and First Heroes National Bank loans. Last Updated 03/24/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 63.89%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First National Bank Texas 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 Texas 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 Texas's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First National Bank Texas

Bank Holding Company FIRST COMMUNITY BANCSHARES INC

Address 901 E Central Texas Expy, Killeen, TX 76541 · Bell

Website https://www.1stnb.com

FDIC Certificate # 3285

Established 02/27/1901

FDIC Insurance Date 01/01/1934

Domestic Offices 356

Total Branches 356

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 68/100

5.0

Exceptional Out of 5.0 Stars

63.89%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.2080%

Return on Equity (ROE) 35.5900%

Non-Performing Loans (NPL) 1.73%

Total Assets $4,507,588,000

Total Deposits $3,985,172,000

Equity Capital $288,525,000

Net Income $46,480,000

Headquarters Killeen

Total Offices 356

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Total Reviews

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Frequently Asked Questions About First National Bank Texas

Is First National Bank Texas a safe place to deposit money?

Yes, First National Bank Texas is considered a safe financial institution. With a Texas Ratio of 63.894065718489%, the institution's financial health is rated as stable. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does First National Bank Texas operate?

First National Bank Texas currently maintains approximately 356 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 Texas 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 Texas provides members with tools to manage their accounts and build a solid financial history.

Does First National Bank Texas offer online and mobile banking?

Most modern institutions like First National Bank Texas 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.1stnb.com.