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First National Bank Texas
Killeen, TX · FDIC Certificate #3285 · Chartered 02/2
Total assets
$4.64B
Total deposits
$4.10B
Total equity
$311.50M
Net loans
$2.26B
Branches (offices)
358
Net income (YTD)
$27.98M
Rank: #301 of 4,213 U.S. banks by assets · #21 of 346 in Texas. Assets changed 7.5% and deposits 7.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.21% |
| Return on equity | 18.70% |
| Net interest margin (YTD) | 3.86% |
| Equity to assets | 6.71% |
| Tier 1 leverage ratio | 9.12% |
| Uninsured deposits (share of deposits) | 8.5% |
| Noncurrent loans (share of loans) | 1.23% |
| Net charge-offs (share of loans) | 0.84% |
| Loans to deposits | 55.1% |
| Real estate loans (share of loans) | 82.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.86B | 82.1% | |
| Commercial & industrial | $32.88M | 1.5% | |
| Consumer / individual | $296.89M | 13.1% | |
| Construction & development | $240.62M | 10.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.94B | $3.52B | $25.94M | $178.30M |
| Jun 2023 | $4.23B | $3.56B | $25.69M | $159.69M |
| Jun 2024 | $4.25B | $3.69B | $21.45M | $195.00M |
| Jun 2025 | $4.32B | $3.82B | $23.18M | $257.18M |
| Jun 2026 | $4.64B | $4.10B | $27.98M | $311.50M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $3.82B | 298 |
| Arizona | $168.44M | 24 |
| New Mexico | $86.47M | 19 |
| Arkansas | $21.28M | 17 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $4.10B.
Similar-sized banks
The Fidelity Bank ($4.66B) · Peoplesbank ($4.62B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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