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First Texas National Bank

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First Texas National Bank Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Texas National Bank 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 and Verified: August 30, 2026

First Texas National Bank's Personal Loan Rates are at 11.99%. MonitorBankRates evaluates the financial stability of First Texas National Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 08/30/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.00%

Perfect Lower than avg

First Texas National Bank

124 S Main St
Floydada, TX 79235

https://www.firsttexasnb.com

First Texas National Bank Personal Loan Rates

Product	Rate	APR	View More
Personal Loan	-	11.99%
Details Loan Amounts: $2,000 - $50,000 unsecured; Fixed; no prepayment penalty; For comparison purposes, a consumer who finances a personal loan for $25,000.00 at a term of 60 months and at an annual percentage rate (APR) of 11.99% would remit 60 payments of $556.00 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

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 Texas 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 Texas 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 Texas National Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First Texas National Bank

Bank Holding Company FLOYD COUNTY BANCSHARES INC

Address 124 S Main St, Floydada, TX 79235 · Floyd

Website https://www.firsttexasnb.com

FDIC Certificate # 3197

Established 01/01/1890

FDIC Insurance Date 01/01/1934

Domestic Offices 2

Total Branches 2

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.00%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.3715%

Return on Equity (ROE) 13.5900%

Non-Performing Loans (NPL) 0.00%

Total Assets $201,649,000

Total Deposits $181,353,000

Equity Capital $19,122,000

Net Income $3,863,000

Headquarters Floydada

Total Branches and Offices 2

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About First Texas National Bank

How many branches does First Texas National Bank operate?

First Texas National Bank currently maintains approximately 2 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 Texas 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 Texas National Bank provides members with tools to manage their accounts and build a solid financial history.

Does First Texas National Bank offer online and mobile banking?

Most modern institutions like First Texas 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.firsttexasnb.com.