2.5 star ratingAverage User Rating:
2.5 star rating based on 3 reviews.

First National Bank of Trenton

First National Bank of Trenton Locations
106 Hamilton
Trenton, TX 75490
(903) 989-2235
www.fnbtrenton.com

First National Bank of Trenton is headquartered in Trenton and is the 309th largest bank in the state of Texas. It is also the 3,947th largest bank in the nation. It was established in 1901 and as of March of 2012, it had grown to 60 employees at 5 locations. First National Bank of Trenton has a 4-star health rating.

Related Posts

Rate Has Now Fallen To 2% (Forum) - 5/11/2010

Rate has now fallen to 2%

4.34% Reward Checking Account at First National Bank of Trenton in TX - Local Only - 9/17/2009

First National Bank of Trenton is offering a reward checking account with the following rates and features if certain monthly requirements are met:4.34% APY on balances up to $35,0001.26% APY on portion of balance over $35,0000.10% base rate if...


Data for Q1 2012


Institution Statistics


The First National Bank of Trenton
FDIC Certificate #5558
BankRate ReportView
Year Established1901
Employees60
Primary RegulatorOCC

Assets and Liabilities

Assets$146.07 million
Loans$69.71 million
Deposits$116.34 million
Equity Capital$15.93 million
Loan Loss Allowance$1.23 million
Unbacked Noncurrent Loans$675,000
Real Estate Owned$2.57 million

Historic Data - March 2011

Assets$145.35 million
Equity Capital$15.07 million
Loan Loss Allowance$1.28 million
Unbacked Noncurrent Loans$869,000
Real Estate Owned$3.48 million

Profit Margin - Quarterly

Net Interest Margin3.09%
Return on Assets0.96%
Return on Equity9.04%
Interest Income$1.34 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio3
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 First National Bank of Trenton had $3.24 million in non-current loans and owned real-estate with $17.16 million in equity and loan loss allowances on hand to cover it. This gives First National Bank of Trenton a Texas Ratio of 18.90% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend4
The Texas Ratio for First National Bank of Trenton decreased slightly from 26.63% as of March 31, 2011 to 18.90% as of March 31, 2012, resulting in a positive change of 29.03%.This indicates that the balance sheet and financial strength for First National Bank of Trenton has improved slightly in recent periods.
Deposit Growth3
In the past year, First National Bank of Trenton has increased its total deposits by $30,000, resulting in 0.03% 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 First National Bank of Trenton has shown is average.
Capitalization4
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. First National Bank of Trenton has $146.07 million in assets with $17.16 million in equity, resulting in a capitalization level of 11.75%, which is above average.
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Rewards Checking Rate Tier Change As Stated In Email Rewards Checking Rate Tier Change 05/21/2010
3 stars - Anonymous - Saturday, May 22, 2010 - 5:32 AM

Rewards Checking Rate Tier Change[/H2]    

 as stated in email

Rewards Checking Rate Tier Change  

05/21/2010

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.

Sincerely,
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

 

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1 stars - Kodytrenton_07 - Thursday, March 17, 2011 - 3:15 PM



1

Have Noticed Theat Checking Account Is No Longer Advertised Or Listed Anywhere Online At Banks
3 stars - Anonymous - Saturday, March 13, 2010 - 11:26 AM

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

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