Average User Rating:
1 star rating based on 1 review.

First National Bank Texas

507 North Gray Street
Killeen, TX 76541
800-677-9801
www.1stnb.com

FDIC

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First National Bank Texas is headquartered in Killeen and is the 54^th largest bank in the state of Texas. It is also the 645^th largest bank in the nation. It was established in 1901 and as of December of 2012, it had grown to 2,788 employees at 288 locations. First National Bank Texas has a 5-star health rating.

First National Bank Texas Routing Number: 111906271

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See Rates for: Checking | Savings | Money Market | CD | IRA

First National Bank Texas Checking Account Rates

Apy	Min	Max	Product
0.10%	$10k	-	High Yield Checking
0.05%	-	-	Checking with Interest

First National Bank Texas Savings Account Rates

Apy	Min	Max	Product
0.10%	-	-	Bonus Savings Account
0.10%	$50k	-	Savings Account
0.10%	$50k	-	Kids Count

First National Bank Texas Money Market Rates

	Apy	Min	Max	Product
	0.15%	$50k	-	Money Market Account

First National Bank Texas CD Rates

Apy	Min	Max	Product
1.30%	$500	-	5 Year Fixed Rate Bonus CD
1.20%	$500	-	5 Year Fixed Rate CD
0.55%	$500	-	2 Year Fixed Rate Bonus CD
0.50%	$500	-	2 Year Fixed Rate CD
0.35%	$500	-	1 Year Fixed Rate Bonus CD
0.30%	$500	-	12 Month Variable Rate Bonus CD
0.30%	$500	-	1 Year Fixed Rate CD
0.25%	$500	-	6 Month Fixed Rate Bonus CD
0.20%	$5k	-	9 Month Fixed Rate Bonus CD
0.20%	$500	-	6 Month Fixed Rate CD
0.20%	$5k	-	9 Month Fixed Rate CD
0.20%	$500	-	12 Month Variable Rate CD
0.15%	$500	-	3 Month Fixed Rate Bonus CD
0.10%	$500	-	3 Month Fixed Rate CD

First National Bank Texas IRA Rates

Apy	Min	Max	Product
1.30%	$500	-	5 Year Fixed Rate Bonus IRA
1.20%	$500	-	5 Year Fixed Rate IRA
0.55%	$500	-	2 Year Fixed Rate Bonus IRA
0.50%	$500	-	2 Year Fixed Rate IRA
0.35%	$500	-	1 Year Fixed Rate Bonus IRA
0.30%	$500	-	1 Year Fixed Rate IRA

Rates updated: 5/21/2013

Data for Q4 2012

Institution Statistics

First National Bank Texas
FDIC Certificate #	3285
BankRate Report	View
Year Established	1901
Employees	2788
Primary Regulator	OCC
Assets and Liabilities
Assets	$1.03 billion
Loans	$252.80 million
Deposits	$903.26 million
Equity Capital	$93.84 million
Loan Loss Allowance	$3.89 million
Unbacked Noncurrent Loans	$7.26 million
Historic Data - December 2011
Assets	$944.34 million
Equity Capital	$92.25 million
Loan Loss Allowance	$3.70 million
Unbacked Noncurrent Loans	$3.87 million
Profit Margin - Quarterly
Net Interest Margin	3.32%
Return on Assets	1.2%
Return on Equity	13.02%
Interest Income	$29.75 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
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 December 31, 2012 First National Bank Texas had $7.26 million in non-current loans and owned real-estate with $97.74 million in equity and loan loss allowances on hand to cover it. This gives First National Bank Texas a Texas Ratio of 7.42% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for First National Bank Texas held steady from 4.03% as of December 31, 2011 to 7.42% as of December 31, 2012, resulting in a negative change of 84.03%. This indicates that the balance sheet and financial strength for First National Bank Texas has held steady in recent periods.
Deposit Growth
In the past year, First National Bank Texas has increased its total deposits by $87.4 million, resulting in 10.71% 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 Texas has shown is excellent.
Capitalization
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 Texas has $1.03 billion in assets with $97.74 million in equity, resulting in a capitalization level of 9.48%, which is average.

Denial Of Access To Funds.
1 stars

- JGC013 - Friday, November 30, 2012 - 8:11 AM

On Monday November 19th 2012 I deposited a check into my account at First Convenience Bank, a division of First National Bank Texas. I called First Convenience Bank and spoke with a customer service supervisor by the name of Else who told me that the funds where placed are hold by the loss prevention department for reasons she was not allowed to share with me, the account holder. I was also told to call Else back before 4pm on that day(Nov. 23rd 2012) to check for any new information. I called First Convenience Bank at 340pm on that same day, Friday (Nov. 23rd 2012). I was told Else was unavailable and was transferred to another customer service supervisor who's name I do not have recorded. I was told that the issue with the check was due to the loss prevention department not being able to contact the issuing company for verification. I asked why the loss prevention office could make a telephone call to company and ask them for whatever information was needed for the verification of the account and was told that she (the customer service supervisor) was unable to answer that question as the everyone was gone for the weekend.

I called First Convenience Bank at 830am on Monday (Nov. 26 2012) and spoke with a customer service supervisor by the name of Misty. I ask Misty to contact the loss prevention department and to ask that they contact the company who check for verification of the account, after be placed on hold Misty returned and then stated that they had spoke with "someone" at the issuing company and was told that person could not verify the account on which the check was drawn and that First Convenience Bank would continue to refuse access to these funds. I contacted the manager of the Accounts Payable department at the company who issued the check and was told that no one from First Convenience Bank had contacted his department. The Accounts Payable manager also verified that the funds for the check where release from the companies account on Friday (Nov. 23rd 2012). It has now been ten business days I have still have no access to these funds and no attempt has been made to contact me by First Convenience Bank. I now must hire a lawyer to get back the money this bank has taken from me, the “valued customer”.