First National Bank and Trust Company of Weatherford dba First Bank Texas
First National Bank and Trust Company of Weatherford dba First Bank Texas is an FDIC-insured commercial bank headquartered in Weatherford, TX, supervised by the OCC, with $968.3M in total assets at Q2 2026, down 4.0% from Q2 2025, the 96th largest of 346 banks headquartered in Texas. It was established in 1880 and holds FDIC certificate 5575. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.44% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
Also written as FNB&T
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 5575
- Headquarters
- Weatherford, TX
- Established
- 1880
- Total assets, Q2 2026
- $968.3M
- Assets vs Q2 2025
- -4.0%
- Tier 1 leverage ratio, Q2 2026
- 10.44%
- Domestic offices
- 16 · First National Bank and Trust Company of Weatherford dba First Bank Texas branches FDIC institution directory, current count
- Routing number
- 111901988
- Safety and soundness
- Is First National Bank and Trust Company of Weatherford dba First Bank Texas safe?
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank and Trust Company of Weatherford dba First Bank Texas Q3 2026 call report, filed October 27, 2026 (preliminary)
- Holding company
- FIRST BAIRD BANCSHARES, INC.
- Asset rank in state
- 96th of 346 in Texas
First National Bank and Trust Company of Weatherford dba First Bank Texas spends more to run itself than most banks of its size. The Weatherford, Texas bank had $968 million in assets at June 30, 2026, down 4.0% from a year earlier. It earns about $0.42 a year on every $100 of assets, about a third the median of $1.28 for the 2,627 banks with $100 million to $1 billion in assets. It also spends about 87 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
The balance sheet shrank over the year: over the year loans fell 19.5% and deposits fell 4.6%. The non-owner-occupied commercial real estate book ($121 million) is worsening: 22.16% of it is past due or on nonaccrual, up from 18.54% a year earlier. Credit is the area to watch: it carries problem assets equal to 27.1% of the capital and reserves that would absorb them, 10.2 times the median of 2.7% for banks its size.
As of June 30, 2026, First National Bank and Trust Company of Weatherford dba First Bank Texas reported a return on assets of 0.42%, a nonperforming-loan ratio of 5.51% and a Texas ratio of 27.13%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First National Bank and Trust Company of Weatherford dba First Bank Texas is the 96th largest of the 346 banks headquartered in Texas. Between Q1 2026 and Q2 2026, its total assets rose 0.3% to $968.3M, loans fell 7.3% and deposits rose 0.2%. Non-owner-occupied commercial real estate loans made up 24.3% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 22.5%. Its 16 offices in the FDIC Summary of Deposits are in 12 cities in TX; its Abilene 3 offices book 24% of its branch deposits. Judged on its Q2 2026 call report, First National Bank and Trust Company of Weatherford dba First Bank Texas meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 220 Palo Pinto St, Weatherford, TX 76086
- County
- Parker
- Metro Area
- Dallas-Fort Worth-Arlington, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- May 15, 1880
- Former names
- First National Bank and Trust Company of Weatherford (1987)
- Domestic offices
- 16 FDIC institution directory, current count
- Employees (FTE)
- 187
- Domestic deposits
- $869.7M
- Allowance for credit losses
- $6.5M
- Net charge-offs (YTD)
- $709K
- Average total assets
- $967.6M
- Average total loans
- $520.0M
- Average interest-bearing deposits
- $566.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5575
- Fed RSSD
- 614368
- SEC CIK
- 1168702 → filed by FIRST BAIRD BANCSHARES, INC.
- Website
- www.go2fbt.bank →
- Parent Holding Company
- FIRST BAIRD BANCSHARES, INC. (RSSD 1105751)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First National Bank and Trust Company of Weatherford dba First Bank Texas reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
First National Bank and Trust Company of Weatherford dba First Bank Texas's total assets moved between a low of $965.4M (Q1 2026) and a high of $1.03B (Q3 2024) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$968.3M total assets against $1.01B; $872.6M total liabilities against $915.1M.
$492.0M net loans and leases against $610.3M; $869.7M total deposits against $911.8M.
$155.9M securities against $162.0M; $248.7M cash and balances due against $164.2M.
$13.0M total interest income against $14.3M; $3.4M total interest expense against $4.5M.
$9.5M net interest income against $9.8M.
$1.8M total noninterest income against $2.0M; $9.8M total noninterest expense against $9.9M.
$196K provision for credit losses against -$200K.
$1.0M net income against $1.7M.
0.42% return on assets against 0.69%; 4.28% net interest margin against 4.20%.
10.44% tier 1 leverage ratio against 10.03%.
Inside the full First National Bank and Trust Company of Weatherford dba First Bank Texas terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
First National Bank and Trust Company of Weatherford dba First Bank Texas rankings
Its closest position to the top of a national ranking is 78 of 3,640, for Texas Ratio; its furthest is 3,408 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.22% (Q3 2024) to 0.80% (Q4 2024) and its net interest margin ran from 4.20% (Q2 2025) to 4.43% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.44% | 0.42% | 5.51% | 27.13% | 4.28% |
| Q1 2026 | 10.20% | 0.48% | 5.50% | 29.81% | 4.21% |
| Q4 2025 | 10.02% | 0.44% | 5.49% | 30.35% | 4.24% |
| Q3 2025 | 10.00% | 0.44% | 5.84% | 33.87% | 4.25% |
| Q2 2025 | 10.03% | 0.69% | 5.83% | 35.18% | 4.20% |
| Q1 2025 | 9.84% | 0.69% | 5.21% | 34.54% | 4.24% |
| Q4 2024 | 9.80% | 0.80% | 4.95% | 34.23% | 4.43% |
| Q3 2024 | 9.79% | -0.22% | 4.67% | 32.80% | 4.30% |
Swipe the table sideways to see every column.
Branch Network
View all 16 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Willow Park Branch | Willow Park , TX | 76008 | $126.9M |
| First National Bank and Trust Company of Weatherford | Weatherford , TX | 76086 | $111.3M |
| Abilene Office Branch | Abilene , TX | 79606 | $92.7M |
| First National Bank and Trust Company of Weatherford - Hudson Oaks Branch | Hudson Oaks , TX | 76087 | $78.4M |
| Abilene Branch | Abilene , TX | 79602 | $78.4M |
| Baird Branch | Baird , TX | 79504 | $66.4M |
| Munday Branch | Munday , TX | 76371 | $63.7M |
| Santa Fe Branch | Weatherford , TX | 76086 | $60.6M |
| Haskell Branch | Haskell , TX | 79521 | $56.9M |
| Grapevine Branch | Grapevine , TX | 76051 | $40.0M |
| Judge Ely Branch | Abilene , TX | 79601 | $34.1M |
| Stamford Branch | Stamford , TX | 79553 | $29.0M |
| Clyde Branch | Clyde , TX | 79510 | $16.6M |
| Mid-Cities Branch | Bedford , TX | 76021 | $14.7M |
| Mobile Branch | Willow Park , TX | 76008 | $0 |
| Fort Worth Branch | Fort Worth , TX | 76102 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 20, 2021 | Structure Change | Acquired First National Bank Baird Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 19, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (Federal Reserve); 2 against individuals associated with it
- June 22, 2006, Federal Reserve: Cease and Desist Order: First Baird Bancshares, Inc., Bedford, TX
- June 22, 2006, Federal Reserve: Civil Money Penalty 87,500: First Baird Bancshares, Inc., Bedford, TX
- Period: Most recent institution action June 22, 2006. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 126 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 117 applications, 63 loans originated, $15.2M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $250K approved, $250K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First National Bank and Trust Company of Weatherford dba First Bank Texas
What are First National Bank and Trust Company of Weatherford dba First Bank Texas's total assets?
As of the Q2 2026 filing, First National Bank and Trust Company of Weatherford dba First Bank Texas reported total assets of $968.3 million in its FFIEC call report.
Where is First National Bank and Trust Company of Weatherford dba First Bank Texas headquartered?
It is headquartered in Weatherford, TX, United States.
When was First National Bank and Trust Company of Weatherford dba First Bank Texas founded?
It was established in 1880, per the FDIC institution directory.
Is First National Bank and Trust Company of Weatherford dba First Bank Texas FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5575). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank and Trust Company of Weatherford dba First Bank Texas?
First National Bank and Trust Company of Weatherford dba First Bank Texas's primary federal regulator is the OCC.
How many branches does First National Bank and Trust Company of Weatherford dba First Bank Texas operate?
It operates 16 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First National Bank and Trust Company of Weatherford dba First Bank Texas's Texas Ratio?
Its Texas Ratio is 27.13% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was First National Bank and Trust Company of Weatherford dba First Bank Texas previously called?
The charter now named First National Bank and Trust Company of Weatherford dba First Bank Texas has also operated as First National Bank and Trust Company of Weatherford (1987), per FDIC structure-change records.
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