First National Bank Texas Mortgage Rates, Fees & Info

Killeen, TX

LEI: 5493006KQF5UKZ3Y9N07

Tax ID: 74-2681037

3.7 stars - out of 5 stars, based on 41 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Bank Data

    Review & Overview

    First National Bank Texas is a smaller bank specializing in Home Purchase and Refi loans. First National Bank Texas has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Killeen, El Paso, Phoenix, Waco, and San Antonio among others. We have data for 92 markets. (Some data included below & more in-depth data is available with an active subscription.)

    First National Bank Texas has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. First National Bank Texas is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.94% 11/26/22
    30 Year Conventional Refi 6.87% 11/26/22
    30 Year FHA Purchase 7.82% 11/26/22
    30 Year FHA Refi 7.21% 11/26/22
    30 Year VA Purchase 6.53% 11/26/22
    30 Year VA Refi 6.27% 11/26/22
    30 Year USDA Purchase 7.01% 11/26/22
    15 Year Conventional Purchase 6.32% 11/26/22
    15 Year Conventional Refi 6.17% 11/26/22
    15 Year Cash-out Refi 6.17% 11/26/22
    15 Year FHA Refi 7.08% 11/26/22
    15 Year VA Purchase 6.62% 11/26/22
    15 Year VA Refi 6.43% 11/26/22
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    1,692

    Origination Dollar Volume (All Markets)

    $450,980,000

    Employee count

    2,951 Show all (9) awards

    Relative Rate

    First National Bank Texas's average 30 year fixed mortgage rate was 2.97%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.18%.

    Relative Fees (Closing Costs)

    First National Bank Texas's average total fees/closing costs for a 30 year fixed rate mortgage were $6,566.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 543 $160,635,000 $295,829 $6,397 2.92%
    EL PASO, TX (FHA|USDA|VA) 449 $83,255,000 $185,423 $6,289 2.94%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 142 $45,160,000 $318,028 $5,337 3.04%
    WACO, TX (FHA|USDA|VA) 142 $32,000,000 $225,352 $6,912 3.02%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 22 $15,890,000 $722,273 $5,037 3.18%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 48 $14,290,000 $297,708 $5,540 3.25%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 56 $13,040,000 $232,857 $6,900 3.00%
    Outside of Metro Areas 38 $12,960,000 $341,053 $5,921 3.12%
    Eagle Pass, TX (FHA|USDA|VA) 1 $12,465,000 $12,465,000 $0 3.50%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 52 $11,960,000 $230,000 $6,815 3.22%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 24 $7,500,000 $312,500 $5,543 3.03%
    LAS CRUCES, NM (FHA|USDA|VA) 12 $2,810,000 $234,167 $6,398 2.79%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 5 $2,525,000 $505,000 $4,791 3.02%
    Alice, TX (FHA|USDA|VA) 11 $2,015,000 $183,182 $7,468 3.10%
    Hobbs, NM (FHA|USDA|VA) 13 $1,825,000 $140,385 $5,915 3.06%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 7 $1,615,000 $230,714 $6,990 3.00%
    Lufkin, TX (FHA|USDA|VA) 7 $1,605,000 $229,286 $6,726 3.11%
    AMARILLO, TX (FHA|USDA|VA) 5 $1,595,000 $319,000 $7,730 2.83%
    Pampa, TX (FHA|USDA|VA) 1 $1,505,000 $1,505,000 $0 5.00%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 3 $1,165,000 $388,333 $10,399 2.75%
    VICTORIA, TX (FHA|USDA|VA) 6 $1,040,000 $173,333 $5,800 2.98%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 3 $1,005,000 $335,000 $3,032 2.83%
    ALBUQUERQUE, NM (FHA|USDA|VA) 3 $985,000 $328,333 $6,017 3.00%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 3 $945,000 $315,000 $11,895 2.88%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 5 $735,000 $147,000 $7,201 2.87%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 2 $720,000 $360,000 $4,527 3.19%
    Corsicana, TX (FHA|USDA|VA) 2 $710,000 $355,000 $6,903 3.13%
    SAN ANGELO, TX (FHA|USDA|VA) 5 $695,000 $139,000 $6,298 2.83%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $640,000 $320,000 $7,321 2.69%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1 $605,000 $605,000 $5,235 2.88%
    LONGVIEW, TX (FHA|USDA|VA) 3 $605,000 $201,667 $5,386 2.79%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 3 $605,000 $201,667 $5,474 3.04%
    Beeville, TX (FHA|USDA|VA) 3 $575,000 $191,667 $6,597 3.13%
    Granbury, TX (FHA|USDA|VA) 1 $515,000 $515,000 $7,446 2.88%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $495,000 $495,000 $7,764 4.25%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $495,000 $495,000 $7,067 2.75%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $495,000 $495,000 $3,943 3.25%
    Stephenville, TX (FHA|USDA|VA) 2 $490,000 $245,000 $7,737 3.06%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $475,000 $475,000 $3,857 2.25%
    Kingsville, TX (FHA|USDA|VA) 2 $450,000 $225,000 $5,898 3.00%
    ODESSA, TX (FHA|USDA|VA) 2 $400,000 $200,000 $6,843 2.81%
    ANCHORAGE, AK (FHA|USDA|VA) 1 $395,000 $395,000 $10,523 2.25%
    Durango, CO (FHA|USDA|VA) 1 $365,000 $365,000 $3,524 3.38%
    Hereford, TX (FHA|USDA|VA) 3 $365,000 $121,667 $6,487 3.13%
    Nacogdoches, TX (FHA|USDA|VA) 1 $365,000 $365,000 $11,263 3.25%
    Lebanon, NH-VT (FHA|USDA|VA) 1 $365,000 $365,000 $3,849 2.75%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $355,000 $355,000 $5,141 2.63%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $345,000 $345,000 $6,144 2.50%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 2 $340,000 $170,000 $5,702 3.06%
    MIDLAND, TX (FHA|USDA|VA) 1 $335,000 $335,000 $5,590 2.88%
    Athens, TX (FHA|USDA|VA) 2 $330,000 $165,000 $8,817 3.13%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $325,000 $325,000 $3,261 3.13%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $315,000 $315,000 $6,270 3.25%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 2 $310,000 $155,000 $8,774 2.88%
    Alamogordo, NM (FHA|USDA|VA) 1 $305,000 $305,000 $17,314 2.50%
    Dumas, TX (FHA|USDA|VA) 2 $300,000 $150,000 $9,106 3.25%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $285,000 $285,000 $7,783 2.88%
    Del Rio, TX (FHA|USDA|VA) 1 $285,000 $285,000 $0 4.00%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $275,000 $275,000 $2,591 3.99%
    FLINT, MI (FHA|USDA|VA) 1 $255,000 $255,000 $2,991 3.13%
    WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 1 $255,000 $255,000 $0 2.88%
    APPLETON, WI (FHA|USDA|VA) 1 $245,000 $245,000 $3,324 2.75%
    TALLAHASSEE, FL (FHA|USDA|VA) 1 $235,000 $235,000 $12,109 3.75%
    Brownwood, TX (FHA|USDA|VA) 2 $220,000 $110,000 $4,959 3.38%
    Platteville, WI (FHA|USDA|VA) 1 $205,000 $205,000 $2,351 2.38%
    TUCSON, AZ (FHA|USDA|VA) 1 $205,000 $205,000 $9,283 2.88%
    Rockport, TX (FHA|USDA|VA) 1 $205,000 $205,000 $7,064 2.25%
    Roswell, NM (FHA|USDA|VA) 1 $195,000 $195,000 $7,723 4.13%
    HOT SPRINGS, AR (FHA|USDA|VA) 1 $195,000 $195,000 $6,154 3.50%
    FLAGSTAFF, AZ (FHA|USDA|VA) 1 $185,000 $185,000 $3,439 2.25%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $185,000 $185,000 $0 3.13%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $185,000 $185,000 $9,472 4.13%
    Altus, OK (FHA|USDA|VA) 1 $175,000 $175,000 $7,036 2.75%
    DOTHAN, AL (FHA|USDA|VA) 1 $175,000 $175,000 $3,165 3.13%
    Show Low, AZ (FHA|USDA|VA) 1 $175,000 $175,000 $4,751 2.99%
    COLUMBUS, OH (FHA|USDA|VA) 1 $165,000 $165,000 $3,591 3.50%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $165,000 $165,000 $2,694 3.38%
    FARMINGTON, NM (FHA|USDA|VA) 1 $165,000 $165,000 $6,558 2.75%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $155,000 $155,000 $2,592 3.25%
    Uvalde, TX (FHA|USDA|VA) 1 $155,000 $155,000 $7,468 3.75%
    LUBBOCK, TX (FHA|USDA|VA) 2 $150,000 $75,000 $3,053 3.13%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $145,000 $145,000 $9,936 2.88%
    FAYETTEVILLE, NC (FHA|USDA|VA) 1 $145,000 $145,000 $0 2.75%
    TYLER, TX (FHA|USDA|VA) 1 $135,000 $135,000 $6,812 2.75%
    Palestine, TX (FHA|USDA|VA) 1 $135,000 $135,000 $6,248 2.75%
    Port Lavaca, TX (FHA|USDA|VA) 1 $125,000 $125,000 $6,347 3.25%
    TULSA, OK (FHA|USDA|VA) 1 $125,000 $125,000 $4,096 2.38%
    WICHITA FALLS, TX (FHA|USDA|VA) 1 $115,000 $115,000 $3,318 3.25%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $115,000 $115,000 $5,662 4.13%
    Sulphur Springs, TX (FHA|USDA|VA) 1 $85,000 $85,000 $3,487 3.00%
    El Campo, TX (FHA|USDA|VA) 1 $85,000 $85,000 $5,715 3.00%
    Portales, NM (FHA|USDA|VA) 1 $65,000 $65,000 $3,817 2.88%
    First National Bank Texas's top markets include Killeen, El Paso, Phoenix, Waco, and San Antonio among others.

    Their top states include:
  • Texas (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • New Mexico (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against First National Bank Texas based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    GECU
    Similarity Rank: 124
    First Central Credit Union
    Similarity Rank: 153
    Citizens Bank of Las Cruces
    Similarity Rank: 208
    EVOLVE
    Similarity Rank: 272
    First Credit Union
    Similarity Rank: 378
    AMOCO
    Similarity Rank: 405
    EL PASO AREA TEACHERS
    Similarity Rank: 510
    United Heritage Credit Union
    Similarity Rank: 636
    PATRIOT MORTGAGE COMPANY
    Similarity Rank: 696

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 725 $227,985,000 $314,462 $4,377 3.15%
    FHA 509 $95,125,000 $186,886 $7,864 3.05%
    VA 456 $127,600,000 $279,825 $7,207 2.66%
    USDA 2 $270,000 $135,000 $5,956 2.81%

    For 2021, First National Bank Texas's most frequently originated type of loan was Conventional, with 725 originations. Their 2nd most popular type was FHA, with 509 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,276 $355,850,000 $278,879 $6,970 3.03%
    Refi 394 $93,480,000 $237,259 $4,366 2.77%
    Home Improvement 17 $1,445,000 $85,000 $938 4.28%
    Other 5 $205,000 $41,000 $709 4.60%

    For 2021, First National Bank Texas's most frequently cited loan purpose was Home Purchase, with 1,276 originations. The 2nd most popular reason was Refi, with 394 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,507 $354,865,000 $235,478 $6,566 2.97%
    15 Year 112 $17,090,000 $152,589 $3,901 2.69%
    20 Year 42 $11,690,000 $278,333 $2,808 3.63%
    Other 18 $36,100,000 $2,005,556 $2,740 3.81%
    10 Year 11 $4,205,000 $382,273 $1,346 4.03%
    5 Year 2 $27,030,000 $13,515,000 $0 3.83%

    For 2021, First National Bank Texas's most frequently cited loan duration was 30 Year, with 1,507 originations. The 2nd most popular length was 15 Year, with 112 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,150 $265,280,000 $230,678
    $2k-3k 243 $49,545,000 $203,889
    $<1k 73 $16,525,000 $226,370
    $3k-4k 50 $12,680,000 $253,600
    $5k+ 36 $13,060,000 $362,778
    $4k-5k 27 $6,715,000 $248,704

    First National Bank Texas's average total fees were $6,566, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,150 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 707 $165,555,000 $234,165
    3-4% 538 $170,190,000 $316,338
    <2.5% 355 $81,955,000 $230,859
    4-5% 88 $32,790,000 $372,614
    5-6% 3 $65,000 $21,667

    During 2021, First National Bank Texas's average interest rate for loans was 2.97%, while their most frequently originated rate bucket for loans was 2.5-3%, with 707 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 726 $113,050,000 $155,716 $5,754 3.00%
    $200k-400k 724 $198,360,000 $273,978 $7,016 2.90%
    $400k-600k 118 $56,200,000 $476,271 $7,074 2.90%
    $100,000 or less 98 $6,830,000 $69,694 $3,225 3.37%
    $1MM+ 13 $67,935,000 $5,225,769 $8,490 4.23%
    $600k-1MM 13 $8,605,000 $661,923 $8,701 3.13%

    2021 saw First National Bank Texas place emphasis on $100k-200k loans with 726 originations, totaling $113,050,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 472 $92,120,000 $195,169 $6,474 2.97%
    $50k or less 321 $49,175,000 $153,193 $5,894 3.04%
    $75k-100k 311 $75,915,000 $244,100 $6,667 2.92%
    $100k-150k 276 $78,530,000 $284,529 $6,756 2.97%
    $150k-250k 125 $40,105,000 $320,840 $6,437 3.19%
    $250k+ 32 $11,470,000 $358,438 $6,227 3.28%

    First National Bank Texas lent most frequently to those with incomes in the $50k-75k range, with 472 originations. The second most popular income band? $50k or less, with 321 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 259 $57,805,000 $223,185 $6,170 3.01%
    50-60% 251 $58,265,000 $232,131 $7,979 2.95%
    20-30% 191 $41,845,000 $219,084 $5,473 3.00%
    44% 75 $17,435,000 $232,467 $6,715 3.07%
    49% 73 $16,755,000 $229,521 $6,673 2.94%
    45% 68 $15,170,000 $223,088 $6,250 3.07%
    43% 64 $13,320,000 $208,125 $6,410 3.23%
    46% 60 $12,720,000 $212,000 $6,261 2.98%
    48% 60 $14,420,000 $240,333 $6,564 3.02%
    41% 59 $13,645,000 $231,271 $6,597 2.99%
    47% 56 $12,010,000 $214,464 $7,065 2.96%
    <20% 54 $12,240,000 $226,667 $4,882 2.97%
    42% 53 $12,035,000 $227,075 $6,769 2.95%
    36% 49 $11,045,000 $225,408 $5,911 2.98%
    40% 48 $9,990,000 $208,125 $5,861 3.08%
    39% 44 $9,900,000 $225,000 $5,396 2.96%
    37% 42 $8,980,000 $213,810 $5,161 2.96%
    38% 37 $8,155,000 $220,405 $6,619 3.00%
    >60% 26 $8,800,000 $338,462 $6,526 2.68%

    First National Bank Texas lent most frequently to those with DTI ratios of 30-36%, with 259 originations. The next most common DTI ratio? 50-60%, with 251 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,113 $239,695,000 $215,359 $6,220 2.96%
    Not provided 322 $80,300,000 $249,379 $6,295 2.96%
    Not applicable 27 $71,865,000 $2,661,667 $0 4.30%
    Black 160 $41,260,000 $257,875 $6,740 2.95%
    Asian 41 $11,395,000 $277,927 $6,239 2.95%
    American Indian 19 $3,855,000 $202,895 $7,036 3.13%
    Native Hawaiian or Islander 4 $1,030,000 $257,500 $7,597 2.88%
    Asian Indian 3 $835,000 $278,333 $8,213 3.38%
    Other Asian 3 $745,000 $248,333 $6,152 3.83%

    Approval Rates

    Total approvals of all applications
    74.73%

    First National Bank Texas has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    75.00%

    First National Bank Texas has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,692 $450,980,000 $266,537

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,692 $450,980,000 $266,537

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 28 $9,480,000 $338,571 $3,162 3.18%
    40-60% 98 $20,800,000 $212,245 $3,991 2.94%
    60-80% 305 $120,635,000 $395,525 $4,512 3.19%
    80-100% 1,060 $248,900,000 $234,811 $6,684 2.98%
    Over 100% 92 $26,290,000 $285,761 $12,398 2.72%
    Under 20% 15 $905,000 $60,333 $881 4.41%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    FIRST NATIONAL BANK OF OMAHA Conventional home mortgage Trouble during payment process 1 25.0%
    FIRST NATIONAL BANK OF OMAHA FHA mortgage Improper use of your report 1 25.0%
    FIRST NATIONAL BANK OF OMAHA Other type of mortgage Struggling to pay mortgage 1 25.0%
    FIRST NATIONAL BANK OF OMAHA Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 25.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    First National Bank Texas 101 Calhoun Plaza Port Lavaca, TX 77979 Full Service Retail $3,830
    First National Bank Texas 1101 West Stan Schlueter Loop Killeen, TX 76542 Full Service B&M $3,841
    First National Bank Texas 1107 South Shaver Street Pasadena, TX 77502 Full Service Retail $14,315
    First National Bank Texas 11100 Leopard Street Corpus Christi, TX 78410 Full Service B&M $892
    First National Bank Texas 11210 West Airport Boulevard Stafford, TX 77477 Full Service Retail $13,923
    First National Bank Texas 11700 Us Hwy 380 Crossroads, TX 76227 Full Service Retail $5,953
    First National Bank Texas 11701 S. Sam Houston Pkwy Houston, TX 77089 Full Service Retail $5,488
    First National Bank Texas 1175 South Arizona Avenue Chandler, AZ 85286 Full Service Retail $4,118
    First National Bank Texas 1200 North Highway 77 Waxahachie, TX 75165 Full Service Retail $10,970
    First National Bank Texas 12009 Northwest Freeway Houston, TX 77092 Full Service Retail $7,264
    First National Bank Texas 1201 Stone Street Kilgore, TX 75662 Full Service Retail $4,420
    First National Bank Texas 12035 Antoine Drive Houston, TX 77066 Full Service Retail $12,615
    First National Bank Texas 12065 Interstate 45 North Willis, TX 77318 Full Service Retail $7,630
    First National Bank Texas 121 West Highway 332 Lake Jackson, TX 77566 Full Service Retail $8,046
    First National Bank Texas 133 Arkansas Blvd. Texarkana, AR 71854 Full Service B&M $1,050
    First National Bank Texas 1352 W. 43rd St. Houston, TX 77018 Full Service Retail $5,230
    First National Bank Texas 1380 W. Elliot Road Tempe, AZ 85284 Full Service B&M $1,981
    First National Bank Texas 13900 Horizon Blvd Horizon City, TX 79928 Full Service Retail $7,831
    First National Bank Texas 1400 Lowe's Boulevard Killeen, TX 76542 Full Service Retail $26,972
    First National Bank Texas 1400 W. Main St Farmington, NM 87401 Full Service Retail $3,185
    First National Bank Texas 1401 N. Saginaw Blvd Saginaw, TX 76179 Full Service Retail $8,191
    First National Bank Texas 14028 N Us Hwy 183 Austin, TX 78717 Full Service Retail $3,196
    First National Bank Texas 1406 West Walnut Street Garland, TX 75042 Full Service Retail $12,988
    First National Bank Texas 14111 North Prassada Gateway Avenue Surprise, AZ 85388 Full Service Retail $4,061
    First National Bank Texas 14414 Us Hwy 87 West La Vernia, TX 78121 Full Service Retail $4,344
    First National Bank Texas 14498 Bellaire Blvd Houston, TX 77083 Full Service B&M $2,018
    First National Bank Texas 1551 Zaragosa Road El Paso, TX 79936 Full Service Retail $6,676
    First National Bank Texas 1600 Wildcat Avenue Portland, TX 78374 Full Service Retail $4,254
    First National Bank Texas 1601 West State Hwy 114 Grapevine, TX 76051 Full Service Retail $5,825
    First National Bank Texas 1602 E Roosevelt Street Phoenix, AZ 85006 Full Service Retail $8,876
    First National Bank Texas 1603 Spencer Highway South Houston, TX 77587 Full Service Retail $6,981
    First National Bank Texas 1609 North Texas Avenue Bryan, TX 77803 Full Service Retail $9,050
    First National Bank Texas 1635 Market Place Boulevard Irving, TX 75063 Full Service Retail $7,637
    First National Bank Texas 1700 Dallas Parkway Plano, TX 75093 Full Service Retail $4,318
    First National Bank Texas 1700 E. Palm Valley Blvd Round Rock, TX 78664 Full Service B&M $1,479
    First National Bank Texas 1700 N. Alexander Baytown, TX 77520 Full Service Retail $4,277
    First National Bank Texas 1702 11th Street Huntsville, TX 77340 Full Service B&M $2,990
    First National Bank Texas 1707 West University Drive Mckinney, TX 75069 Full Service Retail $8,337
    First National Bank Texas 1904 S. Colorado St. Lockhart, TX 78644 Full Service Retail $3,687
    First National Bank Texas 1911 4th Street Lubbock, TX 79415 Full Service Retail $7,017
    First National Bank Texas 1911 Ne Bob Bullock Laredo, TX 78041 Full Service B&M $4,042
    First National Bank Texas 1955 South Stapley Drive Mesa, AZ 85204 Full Service Retail $6,270
    First National Bank Texas 200 Short Blvd Ste 130 Dallas, TX 75232 Full Service Retail $5,828
    First National Bank Texas 200 Us Hwy 80 East Mesquite, TX 75149 Full Service Retail $8,978
    First National Bank Texas 200 W. Camp Wisdom Duncanville, TX 75116 Full Service Retail $7,528
    First National Bank Texas 200 W. I-20 Midland, TX 79701 Full Service Retail $15,036
    First National Bank Texas 2000 John Harden Drive Jacksonville, AR 72076 Full Service B&M $910
    First National Bank Texas 2000 U. S. Highway 181 Portland, TX 78374 Full Service Retail $4,993
    First National Bank Texas 2003 E Rodea Drive Cottonwood, AZ 86326 Full Service Retail $4,561
    First National Bank Texas 2003 S. Dumas Dumas, TX 79029 Full Service Retail $8,845
    First National Bank Texas 2155 Paredes Line Road Brownsville, TX 78526 Full Service Retail $5,004
    First National Bank Texas 2200 Briarcrest Drive, Suite 105 Bryan, TX 77802 Full Service Retail $8,452
    First National Bank Texas 2201 Trimmier Drive Killeen, TX 76541 Full Service B&M $68,612
    First National Bank Texas 22030 Market Place Drive New Caney, TX 77357 Full Service Retail $9,242
    First National Bank Texas 2210 South Fielder Road Arlington, TX 76013 Full Service Retail $7,791
    First National Bank Texas 223 South Loop 256 Palestine, TX 75801 Full Service Retail $12,249
    First National Bank Texas 2245 Jacksboro Highway Fort Worth, TX 76114 Full Service B&M $7,371
    First National Bank Texas 2250 Boca Chica Brownsville, TX 78521 Full Service B&M $3,096
    First National Bank Texas 2266 Wyoming Blvd Ne Albuquerque, NM 87112 Full Service Retail $4,089
    First National Bank Texas 2275 Gus Thomasson Rd. Dallas, TX 75228 Full Service Retail $9,175
    First National Bank Texas 2300 N. Gessner Houston, TX 77080 Full Service Retail $6,856
    First National Bank Texas 2303 Booneville Road Bryan, TX 77808 Full Service Retail $4,009
    First National Bank Texas 2550 Coors Blvd, Nw Albuquerque, NM 87102 Full Service B&M $1,651
    First National Bank Texas 2580 E. Arkansas Arlington, TX 76014 Full Service Retail $10,217
    First National Bank Texas 2599 N Charles St Pampa, TX 79065 Full Service Retail $4,537
    First National Bank Texas 2604 North Main Street Belton, TX 76513 Full Service Retail $15,826
    First National Bank Texas 2615 Northeast Bob Bullock Loop Laredo, TX 78045 Full Service Retail $3,681
    First National Bank Texas 2700 Central Freeway Wichita Falls, TX 76305 Full Service Retail $5,491
    First National Bank Texas 2700 Seventh St Bay City, TX 77414 Full Service Retail $4,859
    First National Bank Texas 2700 U.S. Highway 281 North Marble Falls, TX 78654 Full Service Retail $11,668
    First National Bank Texas 2701 Carlisle Blvd Ne Albuquerque, NM 87110 Full Service B&M $2,074
    First National Bank Texas 2701 East Main Street Alice, TX 78332 Full Service Retail $6,693
    First National Bank Texas 2701 South Interstate 35 Round Rock, TX 78664 Full Service Retail $9,276
    First National Bank Texas 2720 E. Highway 190 Copperas Cove, TX 76522 Full Service B&M $2,044
    First National Bank Texas 3000 Saul Kleinfeld Dr El Paso, TX 79936 Full Service Retail $8,347
    First National Bank Texas 3001 Matlock Road Mansfield, TX 76063 Full Service Retail $4,672
    First National Bank Texas 301 San Mateo Blvd Se Albuquerque, NM 87108 Full Service Retail $3,802
    First National Bank Texas 3033 South Port Ave Corpus Christi, TX 78405 Full Service Retail $4,005
    First National Bank Texas 304 S. Rockwood Drive Cabot, AR 72023 Full Service B&M $618
    First National Bank Texas 305 10th Street Floresville, TX 78114 Full Service Retail $4,900
    First National Bank Texas 3111 Woodridge Drive Houston, TX 77087 Full Service Retail $10,356
    First National Bank Texas 3115 Edgar Brown Dr West Orange, TX 77630 Full Service Retail $2,170
    First National Bank Texas 313 E. Pioneer Pkway Grand Prairie, TX 75051 Full Service Retail $7,871
    First National Bank Texas 3130 Lawrence Road Wichita Falls, TX 76308 Full Service Retail $6,944
    First National Bank Texas 3223 W Indian School Road Phoenix, AZ 85017 Full Service Retail $9,315
    First National Bank Texas 3323 S E Military Dr San Antonio, TX 78223 Full Service Retail $4,302
    First National Bank Texas 3331 Rinconada Blvd Las Cruces, NM 88011 Full Service Retail $5,486
    First National Bank Texas 368 Valley Hi Drive San Antonio, TX 78227 Full Service B&M $6,171
    First National Bank Texas 3701 N. Main St. Taylor, TX 76574 Full Service Retail $6,460
    First National Bank Texas 3721 E. Thomas Road Phoenix, AZ 85018 Full Service Retail $6,566
    First National Bank Texas 3728 N Prince St Clovis, NM 88101 Full Service Retail $4,249
    First National Bank Texas 3800 Little York Road Ste 180 Houston, TX 77093 Full Service Retail $13,895
    First National Bank Texas 3800 N Lovington Hwy Hobbs, NM 88240 Full Service Retail $8,290
    First National Bank Texas 3801 East 42nd Street Odessa, TX 79762 Full Service B&M $6,426
    First National Bank Texas 3829 U.S. Highway 77 Corpus Christi, TX 78410 Full Service Retail $8,145
    First National Bank Texas 3830 West Davis Conroe, TX 77304 Full Service Retail $7,344
    First National Bank Texas 3939 Frankford Road Dallas, TX 75287 Full Service Retail $5,103
    First National Bank Texas 400 Eubank Blvd Ne Albuquerque, NM 87123 Full Service Retail $3,100
    First National Bank Texas 400 N. Hwy 67 Midlothian, TX 76065 Full Service Retail $6,054
    First National Bank Texas 4006 Estes Parkway Longview, TX 75603 Full Service Retail $4,983
    First National Bank Texas 401 Coke Street Hillsboro, TX 76645 Full Service Retail $7,693
    First National Bank Texas 401 East Highway 82, Box 2 Sherman, TX 75092 Full Service Retail $8,292
    First National Bank Texas 407 E. State Road 114 Levelland, TX 79336 Full Service Retail $4,096
    First National Bank Texas 4100 West Airport Freeway Irving, TX 75062 Full Service Retail $15,571
    First National Bank Texas 4101 Highway 121 Bedford, TX 76021 Full Service Retail $5,197
    First National Bank Texas 4101 Houston Highway Victoria, TX 77901 Full Service Retail $2,472
    First National Bank Texas 4109 South Staples Street Corpus Christi, TX 78411 Full Service Retail $4,988
    First National Bank Texas 411 South Broadway Street Elsa, TX 78543 Full Service B&M $12,109
    First National Bank Texas 4142 Cedar Springs Dallas, TX 75219 Full Service Retail $4,230
    First National Bank Texas 4145 Dowlen Rd Beaumont, TX 77706 Full Service Retail $3,446
    First National Bank Texas 4201 Central Ave Nw Albuquerque, NM 87105 Full Service Retail $4,808
    First National Bank Texas 4203 Red Bluff Road Pasadena, TX 77503 Full Service B&M $2,759
    First National Bank Texas 4210 John Ben Sheppard Parkway Odessa, TX 79762 Full Service Retail $12,262
    First National Bank Texas 4215 Canyon Drive Amarillo, TX 79110 Full Service Retail $4,339
    First National Bank Texas 4215 South 289 Loop Lubbock, TX 79423 Full Service Retail $6,893
    First National Bank Texas 430 N. Coit Road Richardson, TX 75080 Full Service Retail $5,768
    First National Bank Texas 4304 East Central Texas Expressway Killeen, TX 76543 Full Service B&M $25,005
    First National Bank Texas 4320 Franklin Avenue Waco, TX 76710 Full Service Retail $10,837
    First National Bank Texas 4444 Kostoryz Corpus Christi, TX 78415 Full Service Retail $5,751
    First National Bank Texas 4450 E. Mccain Blvd North Little Rock, AR 72117 Full Service Retail $617
    First National Bank Texas 4500 North Main Street Roswell, NM 88201 Full Service Retail $4,518
    First National Bank Texas 4517 North Midland Drive Midland, TX 79707 Full Service Retail $9,645
    First National Bank Texas 4530 Woodrow Bean Trans Mountain Road El Paso, TX 79924 Full Service Retail $13,125
    First National Bank Texas 460 N. Highway 528 Bernalillo, NM 87004 Full Service Retail $3,586
    First National Bank Texas 4600 E Main St Farmington, NM 87402 Full Service Retail $2,500
    First National Bank Texas 4617 E. Bell Road Phoenix, AZ 85032 Full Service Retail $4,383
    First National Bank Texas 4691 State Hwy 121 The Colony, TX 75056 Full Service Retail $7,211
    First National Bank Texas 4700 East Palm Valley Blvd Round Rock, TX 78665 Full Service Retail $6,325
    First National Bank Texas 4711 Airline Drive Houston, TX 77022 Full Service Retail $17,181
    First National Bank Texas 4801 San Dario Laredo, TX 78041 Full Service Retail $7,813
    First National Bank Texas 4810 North Street Nacogdoches, TX 75965 Full Service Retail $6,822
    First National Bank Texas 4811 Wesley Greenville, TX 75401 Full Service Retail $7,578
    First National Bank Texas 4955 Hwy 6 N Houston, TX 77084 Full Service Retail $5,798
    First National Bank Texas 501 Executive Center Blvd, Ste 101 El Paso, TX 79902 Full Service B&M $504
    First National Bank Texas 504 South Danville Willis, TX 77378 Full Service Retail $13,133
    First National Bank Texas 5050 Troup Hwy Tyler, TX 75707 Full Service Retail $7,316
    First National Bank Texas 507 N Gray St Killeen, TX 76541 Full Service B&M $385,302
    First National Bank Texas 509 Pecan St, Ste 201 Fort Worth, TX 76102 Full Service B&M $989
    First National Bank Texas 5099 Greenbriar Road Wichita Falls, TX 76302 Full Service Retail $3,363
    First National Bank Texas 515 E. Loop 281 Longview, TX 75605 Full Service Retail $6,324
    First National Bank Texas 5230 Amarillo St. Amarillo, TX 79108 Full Service Retail $3,056
    First National Bank Texas 5235 Aldine Mail Road Houston, TX 77039 Full Service Retail $13,100
    First National Bank Texas 525 N. Galloway Mesquite, TX 75149 Full Service Retail $7,290
    First National Bank Texas 5313 Saratoga Blvd Corpus Christi, TX 78413 Full Service B&M $1,936
    First National Bank Texas 5330 Fm 1640 Richmond, TX 77469 Full Service Retail $7,348
    First National Bank Texas 5330 S. Cooper Arlington, TX 76017 Full Service Retail $7,293
    First National Bank Texas 536 Centennial Richardson, TX 75081 Full Service Retail $5,959
    First National Bank Texas 5360 N. Desert Blvd. El Paso, TX 79912 Full Service Retail $8,630
    First National Bank Texas 5367 Antoine Houston, TX 77091 Full Service Retail $7,406
    First National Bank Texas 5401 South Fm 1626 Kyle, TX 78640 Full Service Retail $3,786
    First National Bank Texas 5501 Sherwood Way San Angelo, TX 76904 Full Service Retail $9,334
    First National Bank Texas 5600 Mykawa Houston, TX 77033 Full Service Retail $9,495
    First National Bank Texas 5607 Uvalde Road Houston, TX 77049 Full Service Retail $8,160
    First National Bank Texas 5631 Dyer St El Paso, TX 79904 Full Service Retail $7,937
    First National Bank Texas 5671 Treaschwig Spring, TX 77373 Full Service Retail $4,102
    First National Bank Texas 5801 Gessner Houston, TX 77036 Full Service B&M $10,566
    First National Bank Texas 600 Hewitt Drive Waco, TX 76712 Full Service Retail $5,249
    First National Bank Texas 6000 West Avenue San Antonio, TX 78213 Full Service Retail $5,483
    First National Bank Texas 601 Indian Trail Harker Heights, TX 76543 Full Service Retail $38,147
    First National Bank Texas 601 N. Fm 1821 Mineral Wells, TX 76067 Full Service Retail $6,179
    First National Bank Texas 6030 Montgomery Drive San Antonio, TX 78239 Full Service Retail $4,175
    First National Bank Texas 6055 South Freeway Houston, TX 77004 Full Service B&M $6,747
    First National Bank Texas 610 West 29th Street San Angelo, TX 76903 Full Service Retail $8,076
    First National Bank Texas 6106 N Navarro Street Victoria, TX 77904 Full Service Retail $2,051
    First National Bank Texas 612 N Victory Houston, TX 77088 Full Service Retail $7,268
    First National Bank Texas 6145 N. 35th Ave Phoenix, AZ 85017 Full Service Retail $1,365
    First National Bank Texas 6150 South 35th Avenue Phoenix, AZ 85041 Full Service Retail $8,986
    First National Bank Texas 6185 Retail Road, Suite 200 Dallas, TX 75231 Full Service Retail $6,128
    First National Bank Texas 6198 Westworth Blvd Westworth Village, TX 76114 Full Service Retail $6,285
    First National Bank Texas 620 South Interstate 35 Georgetown, TX 78628 Full Service Retail $10,318
    First National Bank Texas 6200 Bellaire Blvd Houston, TX 77081 Full Service B&M $5,157
    First National Bank Texas 6200 Hwy 6 South Missouri City, TX 77459 Full Service Retail $5,233
    First National Bank Texas 6300 Oakmont Blvd Fort Worth, TX 76132 Full Service Retail $4,276
    First National Bank Texas 6315 82nd Street Lubbock, TX 79424 Full Service Retail $3,399
    First National Bank Texas 6315 Garth Road Baytown, TX 77521 Full Service Retail $6,734
    First National Bank Texas 6322 Telephone Road South Houston, TX 77587 Full Service Retail $5,549
    First National Bank Texas 6401 North East Loop 820 North Richland Hills, TX 76180 Full Service Retail $10,625
    First National Bank Texas 643 N Harvey Mitchell Pkwy Bryan, TX 77807 Full Service Retail $4,891
    First National Bank Texas 6580 Fm 78 San Antonio, TX 78244 Full Service Retail $3,703
    First National Bank Texas 6650 N. Beach St. Fort Worth, TX 76137 Full Service Retail $6,763
    First National Bank Texas 6702 Seawall Blvd Galveson, TX 77550 Full Service Retail $6,457
    First National Bank Texas 6756 West Vickery Boulevard Fort Worth, TX 76116 Full Service Retail $3,772
    First National Bank Texas 6801 W. Adams Ave. Temple, TX 76502 Full Service B&M $1,174
    First National Bank Texas 6818 South Zarzamora Street San Antonio, TX 78224 Full Service Retail $8,309
    First National Bank Texas 702 West Loop 289 Lubbock, TX 79416 Full Service Retail $6,177
    First National Bank Texas 703 N Zaragoza Road El Paso, TX 79907 Full Service Retail $6,243
    First National Bank Texas 704 East Davis Street Conroe, TX 77305 Full Service B&M $55,359
    First National Bank Texas 7101 Gateway Blvd. W. El Paso, TX 79925 Full Service Retail $15,790
    First National Bank Texas 7121 Broadway Street Pearland, TX 77581 Full Service Retail $7,391
    First National Bank Texas 721 Boyd Road Azle, TX 76020 Full Service Retail $7,325
    First National Bank Texas 725 East Villa Maria Road Bryan, TX 77802 Full Service Retail $5,384
    First National Bank Texas 735 Highway 377 East, Suite 100 Granbury, TX 76048 Full Service Retail $9,682
    First National Bank Texas 7401 Interstate 30 Greenville, TX 75402 Full Service Retail $8,102
    First National Bank Texas 7401 Samuell Blvd Dallas, TX 75228 Full Service Retail $14,999
    First National Bank Texas 7505 N. Macarthur Irving, TX 75063 Full Service Retail $4,418
    First National Bank Texas 752 Wynnewood Village Dallas, TX 75224 Full Service Retail $9,444
    First National Bank Texas 7555 North Mesa El Paso, TX 79912 Full Service Retail $17,852
    First National Bank Texas 7755 W Bellfort Ave Houston, TX 77071 Full Service Retail $6,539
    First National Bank Texas 782 Interstate 30 Rockwall, TX 75087 Full Service Retail $10,368
    First National Bank Texas 7831 Paseo Del Norte Blvd El Paso, TX 79912 Full Service Retail $3,410
    First National Bank Texas 798 James Bowie Drive New Boston, TX 75570 Full Service Retail $3,461
    First National Bank Texas 801 North Interstate 35 Waco, TX 76705 Full Service Retail $5,032
    First National Bank Texas 801 West Main Lewisville, TX 75067 Full Service Retail $15,270
    First National Bank Texas 802 E. Highway 80 Forney, TX 75126 Full Service Retail $8,146
    First National Bank Texas 8280 N. Cortaro Road Tucson, AZ 85743 Full Service Retail $3,638
    First National Bank Texas 8401 Anderson Street Fort Worth, TX 76120 Full Service Retail $10,609
    First National Bank Texas 8522 Broadway San Antonio, TX 78217 Full Service B&M $988
    First National Bank Texas 8550 Hwy 6 North Houston, TX 77095 Full Service Retail $4,866
    First National Bank Texas 8555 Preston Road Frisco, TX 75034 Full Service Retail $5,613
    First National Bank Texas 857 N Dobson Road Mesa, AZ 85201 Full Service B&M $2,369
    First National Bank Texas 8585 Memorial Blvd Port Arthur, TX 77640 Full Service Retail $3,589
    First National Bank Texas 8801 Baeline Road Little Rock, AR 72209 Full Service Retail $851
    First National Bank Texas 8801 Ohio Drive Plano, TX 75024 Full Service Retail $6,283
    First National Bank Texas 8801 South Congress Ave. Austin, TX 78745 Full Service B&M $548
    First National Bank Texas 8801 State Hwy 34 South Quinlan, TX 75474 Full Service Retail $7,878
    First National Bank Texas 900 N. Salinas Blvd. Donna, TX 78537 Full Service B&M $3,177
    First National Bank Texas 9002 North Navarro Street Victoria, TX 77904 Full Service Retail $3,776
    First National Bank Texas 901 Unser Blvd Se Rio Rancho, NM 87124 Full Service Retail $3,840
    First National Bank Texas 902 W. Irvington Road Tucson, AZ 85714 Full Service B&M $947
    First National Bank Texas 9114 Camp Bowie W. Fort Worth, TX 76116 Full Service Retail $4,120
    First National Bank Texas 9140 Forest Lane Dallas, TX 75243 Full Service Retail $4,754
    First National Bank Texas 915 East Randol Mill Road Arlington, TX 76011 Full Service Retail $10,840
    First National Bank Texas 918 Bandera Road San Antonio, TX 78228 Full Service B&M $2,206
    First National Bank Texas 925 10th Street Floresville, TX 78114 Full Service Retail $3,552
    First National Bank Texas 930 North Walnut Creek Drive Mansfield, TX 76063 Full Service Retail $7,605
    First National Bank Texas 9301 Forest Lane Dallas, TX 75243 Full Service Retail $10,750
    First National Bank Texas 9303 Hwy 6 South Houston, TX 77083 Full Service Retail $8,549
    First National Bank Texas 9441 Alameda Avenue El Paso, TX 79907 Full Service Retail $21,373
    First National Bank Texas 9475 Fm 1960 Bypass Road Humble, TX 77338 Full Service Retail $7,409
    First National Bank Texas 9500 Clifford Street Fort Worth, TX 76108 Full Service Retail $6,159
    First National Bank Texas 951 N. Resler El Paso, TX 79912 Full Service Retail $6,237
    First National Bank Texas 951 S.W. Wilshire Boulevard Burleson, TX 76028 Full Service Retail $7,167
    First National Bank Texas 951 W. Beltline Road Desoto, TX 75115 Full Service Retail $7,753
    First National Bank Texas 9919 Westheimer Road Houston, TX 77042 Full Service Retail $5,911
    First National Bank Texas Bldg 85006 Warrior Way Fort Hood, TX 76544 Full Service B&M $32,549
    First National Bank Texas Building 4250 Clear Creek Blvd Fort Hood, TX 76544 Full Service Retail $43,899
    First National Bank Texas Building 50005 Clear Creek Road Fort Hood, TX 76544 Full Service B&M $80,754
    First National Bank Texas Tj Mills Boulevard Building 109 Fort Hood, TX 76544 Full Service B&M $168,174
    First National Bank Texas 100 East Houston Street Beeville, TX 78102 Full Service Retail $3,170
    First National Bank Texas 100 South Ryan Drive Red Oak, TX 75154 Full Service Retail $8,814
    First National Bank Texas 100 W. White Park Drive Nogales, AZ 85621 Full Service Retail $8,473
    First National Bank Texas 1000 East 41st Street Austin, TX 78751 Full Service B&M $1,883
    First National Bank Texas 1001 N. Beckley Desoto, TX 75115 Full Service Retail $7,611
    First National Bank Texas 1002 North 38th Street Killeen, TX 76541 Full Service Retail $19,364
    First National Bank Texas 1320 Hwy 290 West Elgin, TX 78621 Full Service B&M $4,008
    First National Bank Texas 1216 Junction Highway Kerrville, TX 78028 Full Service Retail $6,714
    First National Bank Texas 1221 Fm-1187 Crowley, TX 76036 Full Service Retail $5,615
    First National Bank Texas 12220 Fm 423 Frisco, TX 75033 Full Service Retail $5,645
    First National Bank Texas 12236 Montana Ave El Paso, TX 79938 Full Service Retail $8,420
    First National Bank Texas 1228 N. Hwy 377 Roanoke, TX 76262 Full Service Retail $6,198
    First National Bank Texas 12300 Lake June Road Balch Springs, TX 75180 Full Service Retail $19,315
    First National Bank Texas 1250 Flour Bluff Drive Corpus Christi, TX 78418 Full Service Retail $3,025
    First National Bank Texas 1260 E.Tucson Marketplace Blvd. Tucson, AZ 85713 Full Service Retail $6,484
    First National Bank Texas 12620 Woodforest Blvd. Houston, TX 77015 Full Service Retail $6,928
    First National Bank Texas 12789 Midway Rd Dallas, TX 75244 Full Service Retail $7,286
    First National Bank Texas 1311 S. Jackson Street Jacksonville, TX 75766 Full Service B&M $1,614
    First National Bank Texas 1314 West Adams Street Temple, TX 76501 Full Service Retail $9,576
    First National Bank Texas 14710 Woodforest Houston, TX 77015 Full Service Retail $7,131
    First National Bank Texas 150 N. Beckley Lancaster, TX 75146 Full Service Retail $11,581
    First National Bank Texas 1501 N. I-27 Plainview, TX 79072 Full Service Retail $6,597
    First National Bank Texas 1505 E. Rio Grande Street Victoria, TX 77901 Full Service Retail $3,389
    First National Bank Texas 1515 South Loop 288 Denton, TX 76208 Full Service Retail $12,617
    First National Bank Texas 1521 Interstate 35 N. Bellmead, TX 76705 Full Service B&M $1,206
    First National Bank Texas 1521 S. Cockrell Hill Dallas, TX 75215 Full Service Retail $17,322
    First National Bank Texas 15220 Montfort Cr Dallas, TX 75248 Full Service Retail $6,989
    First National Bank Texas 15300 South Ih 35 Buda, TX 78610 Full Service B&M $2,052
    First National Bank Texas 15355 North Northsight Blvd Scottsdale, AZ 85260 Full Service Retail $4,275
    First National Bank Texas 1550 Fry Rd Houston, TX 77084 Full Service Retail $6,806
    First National Bank Texas 1550 S. Valley Drive Las Cruces, NM 88005 Full Service B&M $603
    First National Bank Texas 1710 S Greenfield Road Mesa, AZ 85206 Full Service Retail $4,149
    First National Bank Texas 1716 Highway Interstate 45 Huntsville, TX 77340 Full Service Retail $15,887
    First National Bank Texas 1732 Precinct Line Rd. Hurst, TX 76054 Full Service Retail $8,245
    First National Bank Texas 1747 E Florence Blvd Casa Grande, AZ 85122 Full Service B&M $2,398
    First National Bank Texas 1750 South Broadway Sulphur Springs, TX 75482 Full Service Retail $6,630
    First National Bank Texas 1801 Marketplace Dr Garland, TX 75041 Full Service Retail $12,915
    First National Bank Texas 1815 Brothers Blve College Station, TX 77845 Full Service Retail $6,126
    First National Bank Texas 1815 E. Highland Drive Jonesboro, AR 72401 Full Service B&M $954
    First National Bank Texas 1821 South Padre Island Drive Corpus Christi, TX 78416 Full Service Retail $8,372
    First National Bank Texas 1836 South Main Street, Suite 102 Weatherford, TX 76086 Full Service Retail $9,108
    First National Bank Texas 1850 North Zarogoza Rd El Paso, TX 79936 Full Service Retail $14,297
    First National Bank Texas 190 E. Round Grove Road Lewisville, TX 75067 Full Service Retail $9,659
    First National Bank Texas 201 E. Central Texas Expwy Harker Heights, TX 76548 Full Service B&M $35,865
    First National Bank Texas 201 East Main Street Uvalde, TX 78801 Full Service Retail $5,231
    First National Bank Texas 2020 Heights Dr. Harker Heights, TX 76548 Full Service Retail $18,454
    First National Bank Texas 2020 N. 75th Ave Phoenix, AZ 85035 Full Service B&M $7,267
    First National Bank Texas 20851 Fm 1485 New Caney, TX 77357 Full Service Retail $18,041
    First National Bank Texas 210 Constitution Drive, Suite A Copperas Cove, TX 76522 Full Service B&M $9,795
    First National Bank Texas 210 W. Del Mar Blvd Laredo, TX 78041 Full Service Retail $5,140
    First National Bank Texas 2108 Bedford Road Bedford, TX 76021 Full Service Retail $4,393
    First National Bank Texas 2121 Highway 16 South Graham, TX 76450 Full Service Retail $7,184
    First National Bank Texas 2129 W. Davis Conroe, TX 77301 Full Service B&M $42,927
    First National Bank Texas 2130 Culebra Rd San Antonio, TX 78228 Full Service Retail $7,363
    First National Bank Texas 2151 West Oaklawn Pleasanton, TX 78064 Full Service Retail $7,303
    First National Bank Texas 2305 North Central Dallas, TX 75204 Full Service Retail $3,972
    First National Bank Texas 2310 E. Saunders Laredo, TX 78040 Full Service Retail $7,679
    First National Bank Texas 2314 S Zapata Laredo, TX 78043 Full Service Retail $6,284
    First National Bank Texas 233 S New York Ave Alamogordo, NM 88310 Full Service Retail $3,109
    First National Bank Texas 240 W Baseline Road Mesa, AZ 85210 Full Service Retail $4,661
    First National Bank Texas 2401 Avondale Haslet Rd Haslet, TX 76052 Full Service Retail $3,999
    First National Bank Texas 2450 West. Loop 338 Odessa, TX 79763 Full Service Retail $16,514
    First National Bank Texas 2475 Ascension Blvd. Arlington, TX 76006 Full Service Retail $5,757
    First National Bank Texas 2500 Daniel Mccall Drive Lufkin, TX 75904 Full Service Retail $7,811
    First National Bank Texas 2509 North Main Street Belton, TX 76513 Full Service Retail $5,909
    First National Bank Texas 2511 Trimmier Rd Killeen, TX 76542 Full Service Retail $23,593
    First National Bank Texas 2525 West Interstate 20 Grand Prairie, TX 75052 Full Service Retail $5,805
    First National Bank Texas 300 West 15th Street Hereford, TX 79045 Full Service Retail $8,714
    First National Bank Texas 2750 West University Drive Denton, TX 76201 Full Service Retail $9,303
    First National Bank Texas 2765 West Washington Stephenville, TX 76402 Full Service Retail $12,465
    First National Bank Texas 2770 N. Sam Houston Pkwy W. Houston, TX 77038 Full Service Retail $12,007
    First National Bank Texas 2801 E I 20 Weatherford, TX 76087 Full Service Retail $5,359
    First National Bank Texas 2805 Highway 36 South Gatesville, TX 76528 Full Service Retail $5,804
    First National Bank Texas 2812 South Expressway 281 Edinburg, TX 78539 Full Service B&M $10,623
    First National Bank Texas 2840 Highway 95 Bullhead City, AZ 86442 Full Service B&M $6,457
    First National Bank Texas 2875 W Martin Luther King Blvd Fayetteville, AR 72704 Full Service B&M $878
    First National Bank Texas 2900 Renaissance Drive Fort Worth, TX 76105 Full Service Retail $10,299
    First National Bank Texas 2901 Highway 412 E Siloam Springs, AR 72761 Full Service B&M $736
    First National Bank Texas 2929 Cypress Creek Pkwy Houston, TX 77073 Full Service B&M $3,158
    First National Bank Texas 2990 East Highway 190 Copperas Cove, TX 76522 Full Service Retail $21,499
    First National Bank Texas 3396 Stockton Hill Road Kingman, AZ 86409 Full Service B&M $6,384
    First National Bank Texas 3401 South 31st Street Temple, TX 76502 Full Service Retail $14,447
    First National Bank Texas 3404 West Stan Schlueter Loop Killeen, TX 76549 Full Service B&M $3,160
    First National Bank Texas 341 S Loop 336 W Conroe, TX 77304 Full Service Retail $15,703
    First National Bank Texas 3413 W. Loop St. El Campo, TX 77437 Full Service Retail $5,746
    First National Bank Texas 3500 Coors Blvd Sw Albuquerque, NM 87121 Full Service B&M $1,597
    First National Bank Texas 3500 Garth Road Baytown, TX 77521 Full Service Retail $4,911
    First National Bank Texas 3509 E. Race Avenue Searcy, AR 72143 Full Service B&M $452
    First National Bank Texas 3510 Alta Mesa Boulevard Fort Worth, TX 76133 Full Service Retail $8,008
    First National Bank Texas 360 Fm 1960 West Houston, TX 77090 Full Service Retail $8,664
    First National Bank Texas 3600 Gus Thomasson Mesquite, TX 75149 Full Service Retail $5,184
    First National Bank Texas 3612 N. Belt Line Road, Suite 100 Irving, TX 75062 Full Service Retail $9,296
    First National Bank Texas 10100 Beechnut Street Houston, TX 77072 Full Service Retail $8,274
    First National Bank Texas 10200 Hwy 242 Conroe, TX 77385 Full Service B&M $1,094
    First National Bank Texas 10251 Kempwood Drive Houston, TX 77043 Full Service Retail $5,458
    First National Bank Texas 10306 S. Post Oak Houston, TX 77035 Full Service Retail $8,331
    First National Bank Texas 10411 North Freeway I-45 Houston, TX 77037 Full Service Retail $20,479
    First National Bank Texas 105 Centennial Boulevard Lindale, TX 75771 Full Service Retail $6,320
    First National Bank Texas 10501 Gateway Blvd Ste 600 El Paso, TX 79925 Full Service Retail $7,083
    First National Bank Texas 1060 North Main Street Euless, TX 76039 Full Service Retail $8,853
    First National Bank Texas 107 W Hwy 190 Copperas Cove, TX 76522 Full Service B&M $30,137
    First National Bank Texas 10727 Gateway Blvd. W. El Paso, TX 79925 Full Service Retail $13,391
    First National Bank Texas 1100 North Estrella Parkway Goodyear, AZ 85338 Full Service Retail $5,333

    For 2021, First National Bank Texas had 341 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $87,568
    Net interest income $86,086
    Total noninterest income $347,810
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $153,700
    Trading account gains and fees $0
    Additional Noninterest Income $194,110
    Pre-tax net operating income $55,316
    Securities gains (or losses, -) $-62
    Income before extraordinary items $55,254
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $55,254
    Minority interest net income $0
    Net income $55,254
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $55,316

    First National Bank Texas's gross interest income from loans was $87,568,000.
    First National Bank Texas's net interest income from loans was $86,086,000.
    First National Bank Texas's fee based income from loans was $153,700,000.
    First National Bank Texas's net income from loans was $55,254,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,482
    Provision for credit losses $11,959
    Total noninterest expense $366,621
    Salaries and employee benefits $165,517
    Premises and equipment expense $41,298
    Additional noninterest expense $159,806
    Applicable income taxes $0
    Net charge-offs $10,129
    Cash dividends $7,000

    First National Bank Texas's interest expense for loans was $1,482,000.
    First National Bank Texas's payroll and benefits expense were $165,517,000.
    First National Bank Texas's property, plant and equipment expenses $41,298,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 3.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $3,283,620
    Deposits held in domestic offices $3,283,620
    Deposits by Individuals, partnerships, and corporations $3,280,644
    Deposits by U.S. Government $3
    Deposits by States and political subdivisions in the U.S. $2,816
    Deposits by Commercial banks and other depository institutions in U.S. $156
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $2,837,780
    Demand deposits $2,837,106
    Nontransaction accounts $445,839
    Money market deposit accounts (MMDAs) $68,718
    Other savings deposits (excluding MMDAs) $286,143
    Total time deposits $90,978
    Total time and savings deposits $446,513
    Noninterest-bearing deposits $2,309,521
    Interest-bearing deposits $974,099
    Retail deposits $3,274,276
    IRAs and Keogh plan accounts $17,102
    Brokered deposits $674
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,832,697
    Cash & Balances due from depository institutions $399,763
    Interest-bearing balances $92,612
    Total securities $1,816,753
    Federal funds sold & reverse repurchase $24
    Net loans and leases $1,459,458
    Loan and leases loss allowance $23,426
    Trading account assets $0
    Bank premises and fixed assets $28,849
    Other real estate owned $0
    Goodwill and other intangibles $0
    All other assets $127,850

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,832,697
    Total Liabilities $3,502,685
    Total deposits $3,283,620
    Interest-bearing deposits $974,099
    Deposits held in domestic offices $3,283,620
    % insured (estimated) $95
    Federal funds purchased and repurchase agreements $75,040
    Trading liabilities $0
    Other borrowed funds $75,000
    Subordinated debt $0
    All other liabilities $69,025

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,459,458
    Loan and leases loss allowance $23,426
    Total loans and leases (domestic) $1,482,884
    All real estate loans $845,682
    Real estate loans in domestic offices $845,682
    Construction and development loans $96,845
    Residential 1-4 family construction $35,408
    Other construction, all land development and other land $61,437
    Loans secured by nonfarm nonresidential properties $345,199
    Nonfarm nonresidential secured by owner-occupied properties $67,768
    Commercial real estate & other non-farm, non-residential $277,431
    Multifamily residential real estate $33,382
    1-4 family residential loans $369,789
    Farmland loans $467
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $18,318
    To non-U.S. addressees $0
    Loans to individuals $391,130
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $60,907
    Other loans to individuals $330,223
    All other loans & leases $227,754
    Loans to foreign governments and official institutions $0
    Other loans $47
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $19
    Non 1-4 family restructured loans & leases $19
    Total loans and leases (foreign) $0

    First National Bank Texas had $1,459,458,000 of loans outstanding in 2021. $845,682,000 of loans were in real estate loans. $96,845,000 of loans were in development loans. $33,382,000 of loans were in multifamily mortgage loans. $369,789,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $60,907,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 179 $55,859 $312,061
    Nonfarm, nonresidential loans - <$100k 24 $973 $40,542
    Nonfarm, nonresidential loans - $100-250k 39 $5,245 $134,487
    Nonfarm, nonresidential loans - $250k-1MM 116 $49,641 $427,940
    Commercial & Industrial, US addressed loans - <$1MM 342 $14,216 $41,567
    Commercial & Industrial, US addressed loans - <$100k 295 $5,349 $18,132
    Commercial & Industrial, US addressed loans - $100-250k 28 $3,531 $126,107
    Commercial & Industrial, US addressed loans - $250k-1MM 19 $5,336 $280,842
    Farmland loans - <$1MM 4 $467 $116,750
    Farmland loans - <$100k 2 $91 $45,500
    Farmland loans - $100-250k 1 $98 $98,000
    Farmland loans - $250k-1MM 1 $278 $278,000