First National Bank Texas
Killeen, Texas, Bell County
$4.6B in total assets, the 310th largest of 4,309 US banks and 22nd of 352 headquartered in Texas.
- FDIC certificate
- 3285
- Established
- 1901
- Owned by
- First Community Bancshares Inc
- Primary regulator
- OCC
- Website
- www.1stnb.com
At a glance
Compared with 77 banks headquartered in Texas with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $4.6B | 90% | $2.2B | |
| Loans | $2.3B | 80% | $1.3B | |
| Deposits | $4.1B | 90% | $1.7B | |
| Return on assets | 1.14% | 29% | 1.54% | |
| Net interest margin | 3.86% | 44% | 3.96% | |
| Efficiency ratio | 84.5% | 95% | 57.5% | |
| Equity to assets | 6.71% | 2% | 10.77% | |
| Loans to deposits | 56% | 9% | 80% |
Growth
Total assets grew 4.4% a year over the last 5 years and 11.4% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Oct 2020 | Fort Hood National Bank Fort Hood, TX, an affiliate under the same holding company | $337M |
| Jan 1990 | American Bank Conroe, TX | $27M |
| Jan 1990 | United National Bank Houston, TX | $15M |
Where they operate
359 branches in 99 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Bell County, TX | $1.2B | 22.0% | 1 of 19 |
| Harris County, TX | $351M | 0.1% | 45 of 87 |
| Dallas County, TX | $288M | 0.1% | 51 of 109 |
| El Paso County, TX | $234M | 2.0% | 9 of 16 |
| Coryell County, TX | $233M | 20.6% | 2 of 6 |
| Tarrant County, TX | $223M | 0.3% | 33 of 74 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 50 branches since 2016 (309 to 359, +16.2%). 81 opened, 5 acquired, 36 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 309 | |||
| 2016 | Closed Fort Worth and Granbury | 0 | 2 | −2 | 307 |
| 2017 | Opened 4 in TexasClosed 4 in Texas | 4 | 4 | 0 | 307 |
| 2018 | Opened 14 in 3 statesClosed 4 in Texas | 14 | 4 | +10 | 317 |
| 2019 | Opened 16 in 3 statesClosed 6 in Texas | 16 | 6 | +10 | 327 |
| 2020 | Acquired Fort Hood National BankOpened 12 in 4 states, closed Benbrook and Canyon | 17 | 2 | +15 | 342 |
| 2021 | Opened 3 in 2 statesClosed La Vernia | 3 | 1 | +2 | 344 |
| 2022 | Opened 5 in 3 statesClosed 3 in 2 states | 5 | 3 | +2 | 346 |
| 2023 | Opened 5 in 3 statesClosed Albuquerque and Spring | 5 | 2 | +3 | 349 |
| 2024 | Opened 7 in 4 statesClosed 3 in 2 states | 7 | 3 | +4 | 353 |
| 2025 | Opened 11 in 3 statesClosed 7 in 2 states | 11 | 7 | +4 | 357 |
| 2026 through Q2 | Opened 4 in TexasClosed Conroe and Corpus Christi | 4 | 2 | +2 | 359 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 33% | 20% | |
| Commercial real estate | 29% | 39% | |
| Consumer | 13% | 2% | |
| Construction and land | 11% | 13% | |
| Multifamily | 9% | 3% | |
| Business (C&I) | 1% | 15% | |
| Farmland | 0% | 3% | |
| Agricultural | 0% | 1% | |
| Other | 5% | 4% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Noninterest-bearing | 57% | 25% | |
| Other interest-bearing | 26% | 49% | |
| Time deposits | 16% | 26% |
Brokered deposits are 0.0% of deposits (peers 4.2%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.38% | 0.46% |
| Net charge-offs, annualized | 0.84% | 0.04% |
| Reserves to loans | 1.27% | 1.20% |
| Leverage ratio | 9.12% | 10.79% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Texas
Largest competitors in Bell County, TX
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/first-national-bank-texas-killeen-tx