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106 Hamilton Square
Trenton, TX 75490

The First National Bank of Trenton is headquartered in Trenton and is the 291st largest bank in the state of Texas. It is also the 3,694th largest bank in the nation. It was established in 1901 and as of March of 2014, it had grown to 74 employees at 5 locations. The First National Bank of Trenton has a B+ health rating.

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Reviews (4)

Rewards Checking Rate Tier Change As Stated In Email Rewards Checking Rate Tier Change 05/21/2010

Rewards Checking Rate Tier Change    

 as stated in email

Rewards Checking Rate Tier Change  


First National Bank of Trenton
P O Box 4
Trenton, TX 75490

Dear FNB Customer:

Rewards Checking Rate Tier Change!
*Annual Percentage Yield (APY) accurate as of July 1, 2010.

Effective July 1, 2010 Rate tiers are as follows: 2.00% APY applies to balances of $.01 - $20,000 and .85% applies to balances over $20,000 as long as qualifications are met each statement cycle. .10% APY applies to all balances if qualifications are not met.

If you have any questions regarding the REWARD CHECKING account, please reply to this email or call at 903-989-2235 or any branch location.

First National Bank of Trenton

 This is after last months rate drop from 4.34% to 2.00% up to the 35k . Funny I got email today after I was at branch yesterday (No mention in branch)closing accounts there. They are a freindly, nice bank. Sorry but I will not work aka Debits and ach for 2% or 40bucks intrest.

On the not so bright side I opened a new one at IndependentBank in McKinney TX  Fast easy 4.01% only 8debits and one ACH or DD up to 25k and they have a savings account that gets 2.5% called RealSaver account as far as I know this is local only. Alliance is still over 4% at 4.10% in N.E Texas with 10 debits and one ACH or DD as listed in the forum and they offer free checks with the account


FNB Trenton Isn't Exactly Up Front...

FNB Trenton isn't very up front with customers. They follow the law, but as minimally as possible. You are required by law to send out notices in one form or another whenever you change an interest rate. They did with a small disclaimer on the bottom of account statements which no one looks at. Also, they "accidentally" implemented their new account charges a month ahead of schedule, in violation of disclosure regulation. They didn't make any real effort to inform customers of changes in their accounts. By the way, the tellers are nice. Most of them work hard and try to help, but management is a real issue. Especially in Bonham. The managers are cold and don't really care for employees. If you want to know why the bank is changing rates, take a look at the poor choices they've made in branch managers. Furthermore, just within the last 4 months, more than 4 tellers have left their Bonham branch...something kind of funny about that. I don't believe the tellers are the problem, but the manager and their lack of staff are!

Have Noticed Theat Checking Account Is No Longer Advertised Or Listed Anywhere Online At Banks

Have noticed theat checking account is no longer advertised or listed anywhere online at banks website When I sign in it still shows the account as "Reward checking acct" in list and under detail still 4.34%. So far have no complaints 6months almost real hometown feeling not open Sat except Motor banking HaHaHa I find it funny they call the drive through "Motor banking". Questions are answered quickly and they are knowledgeable if the person doesnt have an answer she tells you that and goes and finds it for you unlike the JPM where I spend countless time researching the answer to question myself. One thing is over the 35k I believe is at 1.76% very nice for liquid money not the 1.26 I will confirm monday. Overall I give it 3  because the rate and service though Alliance is a better rate at 4.5% and free checks same deal on weekends "Shut down" so I give that 4stars


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 The First National Bank of Trenton had $2.48 million in non-current loans and owned real-estate with $16.28 million in equity and loan loss allowances on hand to cover it. This gives The First National Bank of Trenton a Texas Ratio of 15.21% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for The First National Bank of Trenton decreased slightly from 17.10% as of March 31, 2013 to 15.21% as of March 31, 2014, resulting in a positive change of 11.04%.This indicates that the balance sheet and financial strength for The First National Bank of Trenton has improved slightly in recent periods.

Deposit Growth


In the past year, The First National Bank of Trenton has increased its total deposits by $3.3 million, resulting in 2.7% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The First National Bank of Trenton has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The First National Bank of Trenton has $151.65 million in assets with $16.28 million in equity, resulting in a capitalization level of 10.73%, which is above average.

Institution Statistics

FDIC Certificate #5558
Year Established1901
Primary RegulatorOCC
Assets and Liabilities
Assets$151.65 million
Loans$64.29 million
Deposits$125.70 million
Equity Capital$15.32 million
Loan Loss Allowance$958,000
Unbacked Noncurrent Loans$1.28 million
Real Estate Owned$1.20 million
Historic Data - March 2013
Assets$150.16 million
Equity Capital$16.79 million
Loan Loss Allowance$1.27 million
Unbacked Noncurrent Loans$1.28 million
Real Estate Owned$1.75 million
Profit Margin - Quarterly
Net Interest Margin2.98%
Return on Assets-0.07%
Return on Equity-0.73%
Interest Income$1.21 million

Sorry, we do not have rate data for The First National Bank of Trenton


The First National Bank of Trenton Locations
The First National Bank Of Trenton106 Hamilton SquareTrenton, TX 75490
Farmersville Branch201 S. Hwy 78Farmersville, TX 75442
Bonham Branch2109 North Center StreetBonham, TX 75418
Leonard BranchHighway 69 and Palimino DriveLeonard, TX 75452
Melissa BranchSam Rayburn HwyMelissa, TX 75454