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 branches
Phoenix area · 18
- Casa Grande Branch Rc4911741 E Florence Blvd, Casa Grande, AZ 85122Directions
- Chandler Banking Center Rc-9081175 S Arizona Ave, Chandler, AZ 85286Directions
- Swm Glendale Banking Center Rc324 Branch5010 N 95th Ave, Glendale, AZ 85305Directions
- Goodyear Banking Center Rc-9051100 N Estrella Pkwy, Goodyear, AZ 85338Directions
- Dobson Road Banking Center Rc482 Branch857 N Dobson Rd, Mesa, AZ 85201Directions
- Stapley Banking Center Rc-9091955 S Stapley Dr, Mesa, AZ 85204Directions
- Swm - Greenfield Banking Center - Rc 9061710 S Greenfield Rd, Mesa, AZ 85206Directions
- Swm Country Club Banking Center - Rc 911240 W Baseline Rd, Mesa, AZ 85210Directions
- Bethany Banking Center Rc 436 Branch6145 N 35th Ave, Phoenix, AZ 85017Directions
- Laveen Banking Center - Rc 9106150 S 35th Ave, Phoenix, AZ 85041Directions
- Prm - Roosevelt Banking Center - Rc 9141602 E Roosevelt St, Phoenix, AZ 85006Directions
- Prm - Indian School Banking Center Rc - 9293223 W Indian School Rd, Phoenix, AZ 85017Directions
- Swm - Bell Road - Rc 9224617 E Bell Rd, Phoenix, AZ 85032Directions
- Swm - East Thomas Banking Center - Rc 9333721 E Thomas Rd, Phoenix, AZ 85018Directions
- Swm Christown Banking Center Rc391 Branch1607 W Bethany Home Rd, Phoenix, AZ 85015Directions
- Swm-North 75th Ave Banking Center Branch Rc 9342020 N 75th Ave, Phoenix, AZ 85035Directions
- Swm - Surprise - Rc 91314111 N Prasada Gateway Ave, Surprise, AZ 85388Directions
- Elliot Road Rc494 Branch1380 W Elliot Rd, Tempe, AZ 85284Directions
Lake Havasu City area · 2
- Bullhead City Banking Center - Rc 9352840 Highway 95, Bullhead City, AZ 86442Directions
- Kingman Banking Center - Rc 9363396 N Stockton Hill Rd, Kingman, AZ 86409Directions
Tucson area · 2
- Marana Banking Center - Rc 907 Branch8280 N Cortaro Rd, Tucson, AZ 85743Directions
- Swm Marketplace - Rc 9271260 E Tucson Marketplace Blvd, Tucson, AZ 85713Directions
Prescott Valley area · 1
- Cottonwood Banking Center - Rc 931 Branch2003 E Rodeo Dr, Cottonwood, AZ 86326Directions
Nogales area · 1
- Swm Nogales - Rc 928100 W White Park Dr, Nogales, AZ 85621Directions
New Mexico
19 branchesArkansas
17 branchesWalk-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.