First National Bank Texas
First National Bank Texas reported total assets of $4.6 bn at Q2 2026, up 7.5% on a year earlier, the 298th largest of 497 banks in our US coverage. The CET1 capital ratio at First National Bank Texas was 19.71%, and the uninsured share of First National Bank Texas was 8.51%. Source: FDIC Call Reports.
Key takeaways
- First National Bank Texas has one of the highest efficiency ratio readings among banks of $1 bn to $10 bn: 84.51% at , against a median of 56.87% across 339 banks (FDIC Call Reports).
- The uninsured share of domestic deposits of First National Bank Texas, 8.51% at , places First National Bank Texas in the bottom tenth of banks of $1 bn to $10 bn (group median 32.61%; FDIC Call Reports).
- Among the 339 banks of $1 bn to $10 bn, few report a lower loan-to-deposit ratio than First National Bank Texas, at 55.14% in ; the group median is 88.61% (FDIC Call Reports).
What sets First National Bank Texas apart
- On noncurrent loans to total loans, First National Bank Texas climbed from 438th to 399th among 500 US banks between and (1 = lowest).
- First National Bank Texas has one of the highest net charge-offs to average loans readings among banks of $1 bn to $10 bn: 0.84% at , against a median of 0.06% across 339 banks.
- At 19.71%, the common equity tier 1 (CET1) ratio of First National Bank Texas sits in the top tenth of its size group ($1 bn to $10 bn, 287 banks), where the median is 13.22%.
How large is First National Bank Texas?
The balance sheet of First National Bank Texas at : assets $4.6 bn, deposits $4.1 bn, net loans $2.3 bn (loans equal to 55.14% of deposits). Securities make up 36.9% of total assets at First National Bank Texas. Since , when First National Bank Texas held $1.6 bn, its assets grew 188.0%. In the year to , deposits at First National Bank Texas rose 7.3% while its total assets rose 7.5%. At , First National Bank Texas employed 3,176 full-time equivalent staff across 357 offices, about $1.5 mn of assets per employee and $11.5 mn of deposits per office.
How much funding at First National Bank Texas is uninsured?
At First National Bank Texas, uninsured deposits (above the FDIC limit) made up 8.51% of domestic deposits at (+0.25 pp on a year earlier); First National Bank Texas ranks 474th of 500 on this measure. In dollars, First National Bank Texas estimated $349.0 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $4.1 bn | +7.3% | 284th of 499 |
| Net loans and leases | $2.3 bn | +6.9% | 396th of 500 |
| Loan-to-deposit ratio | 55.14% | -0.25 pp | 466th of 500 |
| Tier 1 leverage ratio | 9.12% | +0.08 pp | 414th of 500 |
| Total risk-based capital ratio | 20.98% | -0.07 pp | 35th of 448 |
| Net interest margin | 3.86% | +0.08 pp | 182nd of 500 |
| Return on assets (ROA) | 1.21% | +0.13 pp | 301st of 500 |
| Efficiency ratio | 84.51% | -0.77 pp | 489th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $17.4 mn | Narrowed by $1.6 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $123.0 mn | Narrowed by $23.5 mn | |
| Noncurrent loans to total loans | 1.23% | +0.03 pp | 399th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.84% | -0.04 pp | 461st of 500 (1 = lowest) |
US rank of First National Bank Texas: 1 = highest unless marked 1 = lowest.
Balance sheet
First National Bank Texas: assets, deposits and loans
- Total assets $4.6bn
- Deposits $4.1bn
- Net loans $2.3bn
Capital and securities
The CET1 ratio of First National Bank Texas stood at 19.71% in , -0.07 pp year on year. Low and high at First National Bank Texas since : 19.12% () to 27.14% (). Equity capital of First National Bank Texas at : $311.5 mn, or 6.7% of total assets. First National Bank Texas also reported a total capital ratio of 20.98% for , and a tier 1 leverage ratio of 9.12%.
On held-to-maturity securities, First National Bank Texas carried an unrealized loss of $17.4 mn at , equal to 5.6% of equity capital. The loss narrowed by $1.6 mn over the year. Its deepest point: $36.4 mn in . The available-for-sale portfolio of First National Bank Texas showed an unrealized loss of $123.0 mn at ; the loss narrowed by $23.5 mn over the year.
First National Bank Texas: capital ratios
- Total capital 21%
- CET1 20%
- Tier 1 leverage 9.1%
First National Bank Texas: unrealized securities gains and losses
- Available for sale -$123mn
- Held to maturity -$17mn
Profitability and loan quality
For the year to , First National Bank Texas earned a return on equity of 18.70%; return on assets: 1.21%. Net interest margin at First National Bank Texas: 3.86%, +0.08 pp in a year. First National Bank Texas net income: $28.0 mn, up 20.7% year on year. The efficiency ratio of First National Bank Texas was 84.51%: about 85 cents cost per revenue dollar, against 57 cents at the median peer.
At , noncurrent loans were 1.23% of total loans at First National Bank Texas; net charge-offs: 0.84% of average loans. Gross loans and leases at First National Bank Texas: $2.3 bn, up 6.9% in a year.
First National Bank Texas: profitability
- Return on equity 19%
- Net interest margin 3.9%
- Return on assets 1.2%
Peer group of First National Bank Texas
The peer group of First National Bank Texas is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of First National Bank Texas (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 2 have head offices in Texas. Against them, First National Bank Texas shows CET1 ratio 19.71% against a peer median of 16.56%, return on equity 18.70% against a peer median of 12.38% and uninsured deposit share 8.51% against a peer median of 29.57%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Southern First Bank | State nonmember bank | SC | $4.7 bn | 11.61% | 11.01% | 45.94% | |
| Erebor Bank | National bank | OH | $4.7 bn | not reported | -5.45% | 0.00% | |
| The Fidelity Bank | State nonmember bank | NC | $4.7 bn | 16.56% | 17.38% | 38.22% | |
| First National Bank Texas | National bank | TX | $4.6 bn | 19.71% | 18.70% | 8.51% | |
| PeoplesBank | State-chartered stock savings bank | MA | $4.6 bn | 12.39% | 4.83% | 26.30% | |
| VeraBank | National bank | TX | $4.6 bn | 17.27% | 14.09% | 29.04% | |
| International Bank of Commerce | State nonmember bank | TX | $4.6 bn | 28.73% | 13.76% | 30.10% | |
. FDIC Call Reports.
Last eight quarters
Two years at First National Bank Texas, to : assets +10.5%, deposits +13.3%, equity +28.7%. Staff 3,102 to 3,176; offices 351 to 357.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $4.2 bn | $4.1 bn | $4.4 bn | $4.3 bn | $4.3 bn | $4.5 bn | $4.7 bn | $4.6 bn |
| Total deposits | $3.6 bn | $3.6 bn | $3.9 bn | $3.8 bn | $3.8 bn | $4.0 bn | $4.1 bn | $4.1 bn |
| Bank equity capital | $242.0 mn | $208.4 mn | $243.7 mn | $257.2 mn | $276.9 mn | $288.5 mn | $297.9 mn | $311.5 mn |
| CET1 ratio | 20.65% | 20.06% | 20.39% | 19.78% | 19.66% | 19.12% | 19.34% | 19.71% |
| Return on equity (ROE) | 20.43% | 20.31% | 20.53% | 19.61% | 18.81% | 18.23% | 17.36% | 18.70% |
| Uninsured share of domestic deposits | 8.68% | 9.20% | 7.18% | 8.26% | 8.42% | 8.38% | 8.06% | 8.51% |
| Full-time equivalent employees | 3,102 | 3,079 | 3,133 | 3,148 | 3,116 | 3,150 | 3,165 | 3,176 |
| Number of offices | 351 | 353 | 355 | 356 | 355 | 358 | 359 | 357 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of First National Bank Texas, oldest first; figures before and after each event are not like for like.
- . Absorbed Fort Hood National Bank (FDIC certificate 19640).
Large one-quarter moves at First National Bank Texas
- Total assets at First National Bank Texas changed by +25.8% in the quarter to 2021-03-31, with no FDIC structure event in that quarter.
Questions and identifiers
What were the total assets of First National Bank Texas?
First National Bank Texas reported $4.6 bn at in its Call Report. That makes First National Bank Texas the 298th largest of 497 banks in our US coverage.
Is First National Bank Texas the same as its holding company?
No. This page covers First National Bank Texas, FDIC certificate 3285; FIRST COMMUNITY BANCSHARES INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is First National Bank Texas profitable?
First National Bank Texas reported net income of $28.0 mn for the year to ; annualized return on equity: 18.70%. So yes: First National Bank Texas made a profit over these months.
When is data for First National Bank Texas next updated?
Figures from First National Bank Texas for are due after .
Where can I check the figures for First National Bank Texas?
In the FDIC BankFind Suite record for certificate 3285, and in the Call Reports of First National Bank Texas (RSSD ID 613950) at the FFIEC Central Data Repository.