First National Bank Texas

First National Bank Texas is headquartered in Killeen and is the 48^th largest bank in the state of Texas. It is also the 630^th largest bank in the nation. It was established in 1901 and as of March of 2012, it had grown to 2,636 employees at 270 locations. First National Bank Texas has a 4-star health rating.

First National Bank Texas Routing Number: 111906271

Data for Q1 2012

Institution Statistics First National Bank Texas FDIC Certificate # 3285 BankRate Report View Year Established 1901 Employees 2636 Primary Regulator OCC Assets and Liabilities Assets $1.05 billion Loans $188.56 million Deposits $926.77 million Equity Capital $93.78 million Loan Loss Allowance $3.46 million Unbacked Noncurrent Loans $3.83 million Historic Data - March 2011 Assets $1.05 billion Equity Capital $80.12 million Loan Loss Allowance $3.84 million Unbacked Noncurrent Loans $3.90 million Profit Margin - Quarterly Net Interest Margin 3.42% Return on Assets 0.86% Return on Equity 9.24% Interest Income $7.56 million

Institution Health Overall Score: 4 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 March 31, 2012 First National Bank Texas had $3.83 million in non-current loans and owned real-estate with $97.24 million in equity and loan loss allowances on hand to cover it. This gives First National Bank Texas a Texas Ratio of 3.94% 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 decreased slightly from 4.64% as of March 31, 2011 to 3.94% as of March 31, 2012, resulting in a positive change of 15.13%.This indicates that the balance sheet and financial strength for First National Bank Texas has improved slightly in recent periods. Deposit Growth In the past year, First National Bank Texas has decreased its total deposits by -$17.81 million, resulting in -1.89% 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 below average. 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 $1.05 billion in assets with $97.24 million in equity, resulting in a capitalization level of 9.23%, which is average.

No reviews have been left for this bank yet. Be the first to review.