First National Bank Texas

Overview / Commentary
507 North Gray Street
Killeen, TX 76541

First National Bank Texas (FNBT) was originally founded in 1901 in Killeen, Texas as the First National Bank of Killeen. Today, the bank serves its customers at over 300 locations throughout Texas, New Mexico, and Arizona.

First National Bank Texas offers a variety of personal depository banking products, including checking accounts, savings accounts, money market accounts, and Certificates of Deposit (CDs). The bank provides both interest and non-interest-bearing checking accounts, including accounts specifically for students or active/retired military personnel, as well as interest-bearing checking accounts with a better interest rate for large balances. First National Bank Texas’s savings and money market accounts also offer higher interest rates for higher account balances. As for CDs, the bank offers both fixed rate and variable rate products, with fixed rate terms ranging from three months to five years. The variable rate CDs can be increased through “add-on” payments at any time.

FNBT offers its personal banking customers access to the following features: direct deposit, online banking, electronic statements, funds transfers, customizable alerts, bill pay, and mobile banking.

Business banking products are also offered, including business checking accounts and business money market accounts. The commercial checking accounts vary based upon business size and transaction volume, with a special option for non-profit organizations and an interest-bearing checking account for businesses that can maintain a certain minimum account balance. Commercial money market accounts offer tiered interest rates, depending upon account balance. First National Bank Texas also provides business customers access to online banking, mobile banking, electronic statements, funds transfers, customizable alerts, and bill pay.

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meets my needs

I generally like using 1st convenience bank. The best thing about their hours of operation and the many locations they have. Sometimes I have an sporadic unpredictable schedule and I can usually find a branch open in a store. It was very easy to open an account with them as well. My complaints are about the customer service, I've been told conflicting information by workers there about availability of a wire transfer I was receiving. Also when going into a branch, which are all located inside stores, the wait time can be somewhat, but at the same time there will be employees walking around handing flyers to potential customers. I think they should help there customer first before looking for others. I also don't like the way they hold certain checks, regardless of the fact I've had an account for years. The fees are about the same as other banks, nothing to exorbitant. So over all they meet my basic needs.


Wish I could give them a ZERO. This bank is the worst, they are stuck in 1982 with how they manage everything, I have been unable to access my account since yesterday because they rolled out a new app, lol. They text gibberish that doesn't even make sense. "Available keywords are: " what? I'm so done, taking my savings elsewhere.

Worst Bank Ever

This is the Worst bank ever.. I was charged a overdraft fee of $102 dollars which is ridiculous.... I never overdrew my account a merchant charged my account without me knowing online I'm definitely going to find me another bank they are horrible customer service is horrible as well.. when it comes to using cash app or PayPal good luck because if a person doesn't send you money before 5 pm you won't get it until the next day

First Inconvenience

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This bank is the worst institution i have ever dealt with. I have had bank accounts for over 45 years and this is the worst one ever. I feel bad for two employees who are good but not accepting checks that the manager ok'd for years from an oil company that were under 50$ or claiming that the cash was dirty and refusing to accept it. The bank is the one who sends damaged cash to be destroyed. Or this one, sign up for no overdrafts. They decide whether or not that 34$ is coming out or not. If its electronic its going to cost you because its electronic, if its a check they charge you to stop payment, 34$ oh and a few days later another 34$ for negative balance.
Then when there is a mistake they will have you spend hours getting the company to admit they wrongly charged your account but then they tell you it was not a bank error. Well no crap, it was a wrongful charge. Say bye to your 68$ and the time you wasted getting all that to them. They may have open hours but its not worth dealing with teen agers and special ed graduates that dont understand that a customer pays the bills.
Dont go to Compass either but stay clear of these idiots and thieves.
I will say they have a couple good employees at the White settlement branch. The 2 men only. 4/2018- 4/ 2019, they may still be there. The main bank practices the theft wholesale also. Only use this as a back up bank. Even their website had to be opened, closed then opened a second time to get it to work.



Health Grade Components

FDIC Certificate #3285
Year Established1901
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.84%
Return on Equity - YTD21.01%
Annual Interest Income$66.4MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$2.18B$1.87B
LoansQ4 2019vs Q4 2018$1.14B$948.6MM
DepositsQ4 2019vs Q4 2018$1.75B$1.59B
Equity CapitalQ4 2019vs Q4 2018$188.1MM$157.2MM
Loan Loss AllowanceQ4 2019vs Q4 2018$16.6MM$13.1MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$648.00K$400.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0

Rates for First National Bank Texas are currently being reviewed.



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