First National Bank Texas dba First Convenience Bank
Also written as FNB
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Data as of · sourced from FFIEC call reports. How we update
First National Bank Texas dba First Convenience Bank is an FDIC-insured commercial bank headquartered in Killeen, TX, established in 1901 (FDIC certificate 3285), and it is supervised by the OCC. At Q2 2026 it reported total assets of $4.64B, up 7.5% from Q2 2025, the 21st largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 19.71% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3285
- Headquarters
- Killeen, TX
- Established
- 1901
- Total assets, Q2 2026
- $4.64B
- Assets vs Q2 2025
- +7.5%
- CET1 ratio, Q2 2026
- 19.71%
- Domestic offices
- 357 FDIC institution directory, current count
- Routing number
- 111906271
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank Texas dba First Convenience Bank call report
- Holding company
- FIRST COMMUNITY BANCSHARES, INC.
- Asset rank in state
- 21st of 346 in Texas
First National Bank Texas dba First Convenience Bank spends more to run itself than most banks of its size. The Killeen, Texas bank had $4.6 billion in assets at June 30, 2026, up 7.5% from a year earlier. It spends about 84 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 880 banks with $1 billion to $10 billion in assets (median 58 cents). On the other hand, it pays an average of 0.81% on its deposits and borrowings, about a third the median of 2.01% for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $140 million equal 32% of Tier 1 capital, down from 41% a year earlier. Earnings jumped: net income for the quarter was $15 million, 32% above the same quarter a year earlier. Where it has less room is capital: it funds 9.12% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.49%).
As of June 30, 2026, First National Bank Texas dba First Convenience Bank reported a CET1 capital ratio of 19.71%, a return on assets of 1.28%, a nonperforming-loan ratio of 1.23% and a Texas ratio of 2.92%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First National Bank Texas dba First Convenience Bank is the 21st largest of the 346 banks headquartered in Texas. Between Q1 2026 and Q2 2026, its total assets fell 0.7% to $4.64B, loans rose 1.5% and deposits fell 1.0%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 32.6% of total loans, followed by non-owner-occupied commercial real estate loans at 22.4%. Judged on its Q2 2026 call report, First National Bank Texas dba First Convenience Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 901 E Central Texas Expy, Killeen, TX 76541
- County
- Bell
- Metro Area
- Killeen-Temple, 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
- —
- Call Report form
- FFIEC 051
- Established
- February 27, 1901
- Former names
- First National Bank Texas (1998); First National Bank (1990-1998)
- Domestic offices
- 357 FDIC institution directory, current count
- Employees (FTE)
- 3,176
- Domestic deposits
- $4.10B
- Allowance for credit losses
- $29.1M
- Net charge-offs (YTD)
- $9.5M
- Average total assets
- $4.76B
- Average total loans
- $2.27B
- Average interest-bearing deposits
- $1.70B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3285
- Fed RSSD
- 613950
- Website
- www.1stnb.com →
- Parent Holding Company
- FIRST COMMUNITY BANCSHARES, INC. (RSSD 1108097)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First National Bank Texas dba First Convenience Bank's total assets ran between $4.11B (Q3 2023) and $4.68B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$4.64B total assets against $4.32B; $4.33B total liabilities against $4.06B.
$2.26B net loans and leases against $2.12B; $4.10B total deposits against $3.82B.
$1.71B securities against $1.63B; $424.1M cash and balances due against $324.8M.
$48.6M total interest income against $43.5M; $8.5M total interest expense against $6.3M.
$40.1M net interest income against $37.2M.
$89.5M total noninterest income against $84.7M; $108.9M total noninterest expense against $103.0M.
$5.5M provision for credit losses against $4.7M.
$15.3M net income against $11.6M.
1.28% return on assets against 1.04%; 3.83% net interest margin against 3.86%.
19.71% CET1 capital ratio against 19.78%; 9.12% tier 1 leverage ratio against 9.04%.
Inside the full First National Bank Texas dba First Convenience Bank 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.
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 Texas dba First Convenience Bank rankings
Its closest position to the top of a national ranking is 295 of 4,196, for total assets; its furthest is 947 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.97% (Q4 2024) to 1.28% (Q2 2026) and its net interest margin ran from 3.60% (Q3 2024) to 3.86% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.71% | 1.28% | 1.23% | 2.92% | 3.83% |
| Q1 2026 | 19.34% | 1.11% | 1.15% | 1.38% | 3.73% |
| Q4 2025 | 19.12% | 1.05% | 1.37% | 1.99% | 3.81% |
| Q3 2025 | 19.66% | 1.04% | 1.27% | 1.27% | 3.84% |
| Q2 2025 | 19.78% | 1.04% | 1.20% | 1.56% | 3.86% |
| Q1 2025 | 20.39% | 1.05% | 1.34% | 0.83% | 3.63% |
| Q4 2024 | 20.06% | 0.97% | 1.57% | 3.54% | 3.65% |
| Q3 2024 | 20.65% | 0.98% | 1.53% | 1.95% | 3.60% |
Swipe the table sideways to see every column.
Branch Network
View all 358 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 |
|---|---|---|---|
| Trimmier Branch Rc113 | Killeen , TX | 76541 | $594.3M |
| Tj Mills Fort Hood Branch Rc211 | Fort Hood , TX | 76544 | $214.2M |
| Clear Creek Branch - Rc 213 | Fort Cavazos , TX | 76544 | $88.8M |
| Market Heights Banking Center - Rc 126 Branch | Harker Heights , TX | 76548 | $60.5M |
| Aafes-Main Px Rc214 Branch | Fort Hood , TX | 76544 | $60.3M |
| East Davis Banking Center - Rc 310 | Conroe , TX | 77301 | $56.2M |
| Harker Heights Branch - Rc 121 | Harker Heights , TX | 76548 | $53.6M |
| Etx Rc314 Branch | Conroe , TX | 77301 | $44.2M |
| Copperas Cove Bkg Center - Rc 123 | Copperas Cove , TX | 76522 | $44.1M |
| Warrior Way Branch - Rc 220 | Fort Hood , TX | 76544 | $37.3M |
| Elms Road Banking Center - Rc 114 | Killeen , TX | 76543 | $31.7M |
| Killeen Walmart Banking Center - Rc 118 | Killeen , TX | 76542 | $30.9M |
| Cielo Vista Banking Center - Rc 862 | El Paso , TX | 79925 | $27.9M |
| Swm Nogales - Rc 928 | Nogales , AZ | 85621 | $27.7M |
| Harker Heights Wal Mart - Rc 880 | Harker Heights , TX | 76548 | $27.4M |
| El Paso Americas Banking Center - Rc 658 | El Paso , TX | 79907 | $27.4M |
| Trimmier Heb Banking Center - Rc 122 | Killeen , TX | 76542 | $26.9M |
| El Paso Mesa Banking Center - Rc 655 | El Paso , TX | 79912 | $26.2M |
| Copperas Cove Branch - Rc 120 | Copperas Cove , TX | 76522 | $25.9M |
| Odessa W. Loop Banking Center - Rc 657 | Odessa , TX | 79763 | $24.8M |
| Balch Springs Banking Center - Rc 685 | Balch Springs , TX | 75180 | $24.5M |
| Rankin Banking Center - Rc 670 Branch | Midland , TX | 79701 | $22.3M |
| N. Houston W. Road Banking Center - Rc 629 | Houston , TX | 77037 | $22.3M |
| Eastlake Banking Center - Rc 116 | Killeen , TX | 76543 | $21.7M |
| New Caney Banking Center - Rc 606 | New Caney , TX | 77357 | $21.5M |
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 |
|---|---|---|---|
| October 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2020 | Structure Change | Acquired Fort Hood National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1990 | Structure Change | Acquired American Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 5 against individuals associated with it
- Period: Most recent action April 17, 2026. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in TX, rank 43 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,564 applications, 1,212 loans originated, $347.5M originated, across 24 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $530K approved, $132K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (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 Texas dba First Convenience Bank
What are First National Bank Texas dba First Convenience Bank's total assets?
As of the Q2 2026 filing, First National Bank Texas dba First Convenience Bank reported total assets of $4.64 billion in its FFIEC call report.
Where is First National Bank Texas dba First Convenience Bank headquartered?
It is headquartered in Killeen, TX, United States.
When was First National Bank Texas dba First Convenience Bank founded?
It was established in 1901, per the FDIC institution directory.
Is First National Bank Texas dba First Convenience Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3285). 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 Texas dba First Convenience Bank?
First National Bank Texas dba First Convenience Bank's primary federal regulator is the OCC.
What is First National Bank Texas dba First Convenience Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.71% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First National Bank Texas dba First Convenience Bank operate?
It operates 357 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 Texas dba First Convenience Bank's Texas Ratio?
Its Texas Ratio is 2.92% 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 Texas dba First Convenience Bank previously called?
The charter now named First National Bank Texas dba First Convenience Bank has also operated as First National Bank Texas (1998), First National Bank (1990-1998), per FDIC structure-change records.
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