FIRST NATIONAL BANK TEXAS DBA FIRST CONVENIENCE BANK

KILLEEN, TX | Large | Est. Feb. 27, 1901, midnight | FDIC #3285 | RSSD #613950 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK TEXAS DBA FIRST CONVENIENCE BANK is aln large FDIC-insured commercial bank headquartered in KILLEEN, TX, established in Feb. 27, 1901, midnight. As of 2025-12-31, the bank reported total assets of $4.5B and total deposits of $4.0B. Profitability stands at 1.06% ROA and 16.54% ROE, with a net interest margin of 3.64%. The bank's CET1 capital ratio is 19.12%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.57% and a Texas Ratio of 4.14%. FDIC Certificate #3285.

Assets

$4.5B

Deposits

$4.0B

Loans

$2.2B

Equity

$289M

Profitability

Return on Assets (ROA) 1.06%
Return on Equity (ROE) 16.54%
Net Interest Margin (NIM) 3.64%
Yield on Assets 4.40%
Cost of Funds 2.90%

Asset Quality

NPL Ratio 0.57%
Net Charge-Off Ratio 0.92%
Texas Ratio 4.14%
NPA Ratio 0.29%
ACL / Loans 1.26%

Capital & Liquidity

CET1 Ratio 19.12%
Tier 1 Capital 19.12%
Total Capital Ratio 20.38%
Leverage Ratio 9.12%
Loan-to-Deposit 55.43%

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