Bank · FDIC insured
First National Bank Texas
A $4.6B bank, the 297th largest of 4,207, headquartered in Killeen, TX, with 356 branches in 4 states. Best rates: CDs 4.25% and savings 2.00% APY.
First National Bank Texas Carrot Score
85
Carrot Score
Higher than 70% of U.S. banks and credit unions
#42 of 115 in Dallas, TX metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First National Bank Texas
- Headquarters
- 901 E Central Texas Expy, Killeen, TX 76541
- FDIC certificate
- 3285 ↗
Branches
356 branches in 4 states
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Texas
296 branchesArizona
24 branchesNew Mexico
19 branchesArkansas
17 branches
Little Rock area · 7
- Benton - Rc385 Branch17309 Interstate 30 S, Benton, AR 72015Directions
- Bryant - Rc386 Branch400 Bryant Ave, Bryant, AR 72022Directions
- Cabot Rc373 Branch304 S Rockwood Dr, Cabot, AR 72023Directions
- Jacksonville Ar Rc375 Branch2000 John Harden Dr, Jacksonville, AR 72076Directions
- Baselline Banking Center Rc 383 Branch8801 Baeline Road, Little Rock, AR 72209Directions
- Swm Shackleford Road Banking Center Rc387 Branch2700 South Shackleford Road, Little Rock, AR 72205Directions
- East Mccain Banking Center Rc 382 Branch4450 E Mccain Blvd, North Little Rock, AR 72117Directions
Fayetteville area · 4
- Fayetteville Bkg Ctr Rc369 Branch2875 W Martin Luther King Jr Blvd, Fayetteville, AR 72704Directions
- Arkansas Branch Rc71511 Halsted Cir, Rogers, AR 72756Directions
- Siloam Springs Rc377 Branch2901 Highway 412 E, Siloam Springs, AR 72761Directions
- Swm Springdale Banking Center Rc396 Branch2004 South Pleasant Street, Springdale, AR 72764Directions
Fort Smith area · 2
- Swm Fort Smith Banking Center Rc392 Branch2425 S Zero St, Fort Smith, AR 72901Directions
- Swm Fort Smith Roger Branch Rc3908301 Rogers Avenue, Fort Smith, AR 72903Directions
Batesville area · 1
- Swm Batesville Banking Center Rc394 Branch3150 Harrison St, Batesville, AR 72501Directions
Jonesboro area · 1
- Jonesboro Rc371 Branch1815 E Highland Dr, Jonesboro, AR 72401Directions
Searcy area · 1
- Searcy Rc370 Branch3509 E Race Ave, Searcy, AR 72143Directions
Texarkana area · 1
- Texarkana Rc372 Branch133 Arkansas Blvd, Texarkana, AR 71854Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.12% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 1.23% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.21% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $56 | $88 | — |
- CapitalLeverage ratio9.12%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent1.23%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.21%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$56Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First National Bank Texas are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.