First National Bank Texas dba First Convenience Bank: Call Report & UBPR Financial Data
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. The bank posts a strong 1.28% ROA and 20.02% ROE. First National Bank Texas dba First Convenience's Q2 2026 balance sheet shows $4.6B in assets funded primarily by $4.1B in customer deposits. Regulatory capital is solid, 19.71% CET1 and 20.98% total risk-based capital ratio. Asset quality is pristine, 0.48% NPLs and a 8.63% Texas Ratio. A 358-branch network serves customers across multiple states.
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 0.48%, a Texas ratio of 8.63%, per financial data filed with the FFIEC.
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)
- Offices
- 358 domestic
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First National Bank Texas dba First Convenience Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First National Bank Texas dba First Convenience 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.71% | 1.28% | 0.48% | 8.63% | 3.83% |
| Q1 2026 | 19.34% | 1.11% | 0.44% | 8.26% | 3.73% |
| Q4 2025 | 19.12% | 1.05% | 0.57% | 9.75% | 3.81% |
| Q3 2025 | 19.66% | 1.04% | 0.41% | 9.18% | 3.84% |
| Q2 2025 | 19.78% | 1.04% | 0.33% | 9.09% | 3.86% |
| Q1 2025 | 20.39% | 1.05% | 0.30% | 10.37% | 3.63% |
| Q4 2024 | 20.06% | 0.97% | 0.46% | 14.12% | 3.65% |
| Q3 2024 | 20.65% | 0.98% | 0.34% | 11.61% | 3.60% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 358 branches →
| 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
What the public regulatory sources show for First National Bank Texas dba First Convenience Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 447 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows First National Bank Texas dba First Convenience Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare First National Bank Texas dba First Convenience Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First National Bank Texas dba First Convenience Bank headquartered?
First National Bank Texas dba First Convenience Bank is headquartered in Killeen, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First National Bank Texas dba First Convenience Bank founded?
First National Bank Texas dba First Convenience Bank was established in 1901, per the FDIC institution directory.
Is First National Bank Texas dba First Convenience Bank FDIC-insured?
Yes. First National Bank Texas dba First Convenience Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First National Bank Texas dba First Convenience Bank's CET1 capital ratio?
First National Bank Texas dba First Convenience Bank 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?
First National Bank Texas dba First Convenience Bank operates 358 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?
First National Bank Texas dba First Convenience Bank's Texas Ratio is 8.63% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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.
Go deeper on First National Bank Texas dba First Convenience Bank.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock First National Bank Texas dba First Convenience Bank, freeFree account