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First National Bank Texas

FDIC #3285 πŸ“ Killeen, Texas

First National Bank Texas is a commercial bank, national (federal) charter and fed member, supervised by the occ. established in 02/27/1901. With assets of $4.11 Billion, it operates 355 domestic branches.

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2.7
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14 Reviews
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Customer Reviews

2.7 β˜…

Based on 14 ratings

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Reviews are moderated before posting. No profanity or personal attacks.
β˜…β˜†β˜†β˜†β˜† Larry B
June 08, 2021

1stcb is [-] worst bank ever ,they allowed somebody to transfer money to [-] app after hijacking [-] account and then told [-] that because it was [-] app [-] money was not FDIC insured and they are not covering it

β˜…β˜†β˜†β˜†β˜† Larry J
May 20, 2021

This Bank allowed [-] app to steal $7500.00 dollars from [-] and have not returned one [-] worst bank ever

β˜…β˜…β˜…β˜…β˜… Daniel C
May 17, 2021

Worse bank ever. Customer service is awful. Fraud [-] even worse. No transparency on [-] to contact them. Incredibly [-] wait times to talk with a person. Horse and pony show in trying to report fraud activity or talk to anybody. A d we get misinformation with every phone call. Close your account and run with your money.

β˜…β˜†β˜†β˜†β˜† Merry P
April 01, 2021

Worst bank ever, made a mobile deposit, check was put on hold till 4/1/2021 which is today, also was told funds would be available 4/1/2021 and told [-] funds won’t be available till 4/2/2021. Plus you can’t contact anyone in corporate, only told I would have to [-] to a branch and ask them to release [-] hold. [-] check cleared [-] husbands bank 3/25/2021, I [-]’t live near a bank, plus I had knee surgery and can’t drive even if I did. This bank [-], [-] NOT USE THIS BANK.

β˜…β˜†β˜†β˜†β˜† Dulce S
March 17, 2021

[-] worst banking experience ever! On [-],3,2021 I arrived at [-] [-] Caney, Texas location that is inside Food Town to withdraw money from [-] account,i was told that I could not because I needed to add [-] husband to [-] account or they were going to return [-] direct deposit to IRS.I was never told that it was [-] bank policy.I told [-] clerk that i was using [-] card doing transactions with [-] available money and she told [-] that it was a complete different thing to withdraw [-]. Obviously I was upset, so I left [-] location [-] approximate six minutes later i received a call from [-] same location I believe it was [-] same clerk ,She told [-] that if I did not add [-] husband by [-] same day she was going to return [-] refund. I [-] not understand why she called and [-] [-] same thing, I guess because she was not sure until she verified. After i tried using [-] card with [-] personal [-] application and was denied, I called customer service and [-] representative [-] [-] card was locked due to suspicious activity, she unlocked it,but after two transactions it got locked again. On [-],17,2021 I arrived to [-] same location, asked to speak to a manager and [-] Bustos in company with [-] Olmos attended [-], I asked why i needed to add [-] husband to [-] account and [-] replied "Its [-] bank policy" I agreed. Following I asked Why I could not withdraw money that was already available and she [-] i could, As i answered yesterday they told [-] I could not, she answered "Well I was not here yesterday" I answered but you are [-] manager, I need [-] explanation why I could not withdraw money yesterday and now I can. She [-] "Oh its because [-] is on [-] check also" ,but then again [-] offered [-] to close [-] account and i [-] Yes! She [-] either you get a money order or a Cashiers check, and I [-] Why not [-]? She [-] we have a limit of $1,000 [-], I told her Yesterday was $2,000? And she [-] "YES<well today is $1,000! In Resume [-] branch located in [-] Caney, Texas its [-] worst branch ever! If it was not for [-] educated tellers at [-] Valley Ranch location, I wouldn't of opened [-] account again. That location needs [-] management and educated employees. As a [-] representative, perfect customer service is a must when dealing with customers.

Community Reinvestment Act (CRA) Rating
Latest Exam: July 17, 2023
Outstanding
What is CRA? The Community Reinvestment Act (CRA) is a federal law that encourages banks to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods.

Rating History

July 17, 2023
Outstanding
July 2, 2020
Satisfactory
July 5, 2016
Satisfactory
March 22, 2013
Needs to Improve
September 16, 2009
Satisfactory
November 13, 2006
Satisfactory
October 14, 2003
Satisfactory
January 31, 2000
Outstanding
June 27, 1997
Outstanding
May 26, 1994
Outstanding
πŸ’° Financial Strength
Total Assets$4.11 Billion
Total Deposits$3.48 Billion
Equity Capital$122.34 Million
Net Income$37.74 Million
πŸ“ˆ Performance
ROA1.21%
ROE35.59%
Financial Terms:
ROA (Return on Assets): Measures profitability relative to size. 1.0%+ is good.
ROE (Return on Equity): Measures profitability for shareholders. 10%+ is strong.
πŸ“ž Contact & Location
Address901 E Central Texas Expy
Killeen, Texas 76541
πŸ“‹ Corporate Structure
Established02/27/1901
FDIC Cert3285
Holding CoFirst Community Bancshares Inc
Parent CertNA - Not listed as a child of a larger bank.
Last ChangeAugust 31, 2022
Foreign Offices0
SAIF InsuredNo
State CharteredNo
πŸ•°οΈ Lobby Hours
Monday9:00 AM - 5:00 PM
Tuesday9:00 AM - 5:00 PM
Wednesday9:00 AM - 5:00 PM
Thursday9:00 AM - 5:00 PM
Friday9:00 AM - 5:00 PM
SaturdayClosed
SundayClosed

πŸ“œ Institutional History

2022
Relocation
Moved HQ to: 901 East Central Texas Expressway, Killeen, TX 76541.
2020
Merger / Acquisition
Acquired: Fort Hood National Bank
1999
Name Change
Name became: Changed Institution Name To First National Bank Texas.
1993
Name Change
Name became: Changed Institution Name To First National Bank.
1993
Relocation
Moved HQ to: 507 North Gray Street, Killeen, TX 76541.
1990
Merger / Acquisition
Acquired: American Bank
1990
Merger / Acquisition
Acquired: United National Bank

πŸ“ Branch Locations (355)

Swm Batesville Banking Center Rc394 Branch
3150 Harrison Street
Batesville, Arkansas 72501
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Benton - Rc385 Branch
17309 Interstate 30 S
Benton, Arkansas 72015
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Bryant - Rc386 Branch
400 Bryant Ave
Bryant, Arkansas 72022
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Cabot Rc373 Branch
304 S Rockwood Dr
Cabot, Arkansas 72023
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Fayetteville Bkg Ctr Rc369 Branch
2875 W Martin Luther King Jr Blvd
Fayetteville, Arkansas 72704
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Swm Fort Smith Banking Center Rc392 Branch
2425 South Zero Street
Fort Smith, Arkansas 72901
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Swm Fort Smith Roger Branch Rc390
8301 Rogers Avenue
Fort Smith, Arkansas 72903
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Jacksonville Ar Rc375 Branch
2000 John Harden Dr
Jacksonville, Arkansas 72076
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Jonesboro Rc371 Branch
1815 E Highland Dr
Jonesboro, Arkansas 72401
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Swm Shackleford Road Banking Center Rc387 Branch
2700 South Shackleford Road
Little Rock, Arkansas 72205
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Baselline Banking Center Rc 383 Branch
8801 Baeline Road
Little Rock, Arkansas 72209
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East Mccain Banking Center Rc 382 Branch
4450 E Mccain Blvd
North Little Rock, Arkansas 72117
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