🏦Bank Scorer

FIRST NATIONAL BANK TEXAS

KILLEEN, TX · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1901FDIC #3,285
Outstanding Up

Current rating · Exam: July 2023

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.11%

How this bank compares in TX

Mortgage Denial Rate

Lower denial rate than 72.7% of TX banks

Institution Profile

FDIC BankFind

Address

901 E Central Texas Expy, KILLEEN, TX

County

Bell County

Established

February 27, 1901

Total Assets

$4.7B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

July 17, 2023

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Jul 2027(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$4.7B

Total Deposits

$4.1B

Net Loans

$2.2B

Net Income

$13M

ROA

1.11%

ROE

17.36%

Risk-Based Capital

20.61%

Regulatory minimum: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate4.97%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

354

Branch Deposits

$3.8B

1-Year Change

+3

5-year net change: +23 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,20878.23%4.97%
20231,26967.93%9.77%
20222,28944.08%42.03%
20212,87359.14%25.37%
20202,80267.92%17.52%
20191,81452.76%31.20%
20181,86051.45%31.72%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

9 previous ratings locked — dating back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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