BanksFIRST NATIONAL BANK TEXAS DBA FIRST CONVENIENCE BANK

FIRST NATIONAL BANK TEXAS DBA FIRST CONVENIENCE BANK

KILLEEN, TXLargeEst. Feb. 27, 1901, midnightFDIC #3285RSSD #613950OCC
Latest · 2025-12-31

FIRST NATIONAL BANK TEXAS DBA FIRST CONVENIENCE BANK is an 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%. CET1 capital ratio: 19.12%, well above regulatory minimums. NPL ratio: 0.57% · Texas Ratio: 4.14%. Operates 354 domestic branches.

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 Margin3.64%
Yield on Assets4.40%
Cost of Funds0.79%

Asset Quality

NPL Ratio0.57%
Net Charge-Off Ratio0.92%
Texas Ratio4.14%
NPA Ratio0.29%
ACL / Loans1.26%

Capital & Liquidity

CET1 Ratio19.12%
Tier 1 Capital19.12%
Total Capital Ratio20.38%
Leverage Ratio9.12%
Loan-to-Deposit55.43%

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