Overview / Commentary
106 Hamilton Square
Trenton, TX 75490

The First National Bank of Trenton is headquartered in Trenton and is the 260th largest bank in the state of Texas. It is also the 3,145th largest bank in the nation. It was established in 1901 and as of December of 2018, it had grown to 51 employees at 6 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

Posted by: Anonymous | May 22, 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


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

Posted by: Anonymous | Mar 13, 2010

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

FNB Trenton Isn't Exactly Up Front...

Posted by: Anonymous | Mar 17, 2011

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!

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. The First National Bank of Trenton has a negative return on equity.

Health Grade Components

FDIC Certificate #5558
Year Established1901
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD-1.35%
Return on Equity - YTD-10.08%
Annual Interest Income$6.2MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$175.2MM$204.4MM
LoansQ4 2018vs Q4 2017$82.3MM$71.7MM
DepositsQ4 2018vs Q4 2017$144.6MM$177.9MM
Equity CapitalQ4 2018vs Q4 2017$26.2MM$20.6MM
Loan Loss AllowanceQ4 2018vs Q4 2017$416.00K$24.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$814.00K$424.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$90.00K

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
Fort Worth Branch2929 W. 5th StreetFort Worth, TX 76107

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