# FIRST NATIONAL BANK
EDINBURG, TX · FDIC certificate 14318 · asset band $1-10B · latest filing 2013-06 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 13 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $3.09B | |
| Deposits | $2.34B | |
| Loans and leases | $1.86B | |
| Total equity | $171.5M | |
| Loans / deposits | 76.53% (p43 of band) | 80.47% |
| Liquid assets / assets | 22.51% (p36 of band) | |
| Uninsured deposits / deposits | 13.94% (p29 of band) | 21.14% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 17.96% (p83 of band) | |
| FHLB advances / assets | 17.96% | |
| Tier 1 leverage | 1.96% (p2 of band) | 9.74% |
| Unrealized securities loss / equity | -5.41% (p12 of band) | -0.29% |
| AOCI / equity | -2.90% (p41 of band) | |
| ROA (annualized) | -0.91% (p1 of band) | 0.91% |
| Net interest margin | 2.61% (p11 of band) | 3.50% |
| Efficiency ratio | 136.77% (p99 of band) | |
| Noncurrent loans | 14.49% (p99 of band) | 1.39% |
| Net charge-offs (annualized) | 1.06% (p97 of band) | |
| Reserve coverage of noncurrent | 27.89% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 173.44% (p100 of band) | |
| Auto loans | $2.9M (0.16% of loans; DQ 11.24%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p38 of band) | |
| Deposits YoY | -11.8% | |
| Employees | 716 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | wholesale funding >15%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 5 | losing money, noncurrent p90 |  |
| 2011-12 | 7 | capital falling, expense ratio p90 |  |
| 2012-03 | 10 | charge-offs p90, deposits shrinking, assets shrinking |  |
| 2012-06 | 10 | leverage <7% | deposits shrinking |
| 2012-09 | 12 | deposits shrinking, uninsured deposits leaving |  |
| 2012-12 | 13 | leverage <5% | deposits shrinking |
| 2013-03 | 13 | deposits shrinking | uninsured deposits leaving |
| 2013-06 | 13 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-11 [First National Bank Texas Review - SmartAsset](https://news.google.com/rss/articles/CBMihwFBVV95cUxOLU9oRVYwcXFxblJYM1NBYlJVTkZ0X1NQdmpqcWlpSHlvOWJvcXZ4Q1hZZGljenljcklTaEF0LVJKTXN4YlFJaE1wUGo5WGJDNHBjb3c5WWZxUkR3RXFTZG5Zd3JFYXZIRkh2MTJyRHNldEMwOHhJeGJnU1BsZ2VWaEprRWpEc2c?oc=5) · SmartAsset
- 2026-05-26 [First National Bank Texas celebrates 125 years with headquarters ribbon-cutting ceremony - The Killeen Daily Herald](https://news.google.com/rss/articles/CBMi-wFBVV95cUxNeGM4dWs0RG9WYnpWTEY0MmN4X0lWRFpYbFBiR3EtZGNKT2FzZlQ4U2FVZi0xRHpwYmZFV0J6RENpSktCNjJSWVZXV0s2bVZSTHZPRWpIcmRySHZtTjUzdWR2WXVBcjlNQ0h2UldZSmU0MUNkc1hteUtpRW00NGR2eF9haUVqbnFZenN0MUFVY1RwOVM5RGZyZWhDd29jbFlUTmU5SW1zRlo1T0RVRFdLZk9qOUtPYkFqNTdURlVOaGYzWUM0cHBrVTVsWU0wcHF2Y0twbTRuSXhPbUVTdnBmMjFsdl9zcVRSUjF2al83RmloU2JoWWtMOFBydw?oc=5) · The Killeen Daily Herald
- 2026-04-09 [First Community Bank to acquire Port Lavaca bank - SouthTexasNews.com](https://news.google.com/rss/articles/CBMi3AFBVV95cUxQcEJsTGg2WEZqQ0c0QjJBVHJLX21PTjNUNnVwM1hDcm9OSktnUHpXdXBxM3Flc3VsVl9LWGp5NGNtaktDdU9oNXRQN3BTZ3c5T1BKNGJNZ3k5cEZycTRJSnpMdzZoR1JDZko3TnRDb09WN0FYakpyTkNRc3BRUW95Y2d1bmx0cHRxNDB6bjVWUkFpS0MySUhONTY0YkJDdTVxUTNqS2dEU21LUUpwd2hSODR2WXhSUnd0ZVhwY1VQRVlIMENPVjYzUkY1UVBnZFB3aVNHV1QzWl9BZnNZ?oc=5) · SouthTexasNews.com
- 2026-06-24 [FHLB Dallas and First National Bank Texas Celebrate Revitalization of Affordable Single-Family Homes in Laguna, New Mexico - Business Wire](https://news.google.com/rss/articles/CBMiigJBVV95cUxQMHFCM2tuSWIxTWVyQlFKcThRa2NrT3NUVVI2QWFBTENlQk1Xdm9jc0dOT19hNkdCRGpkSUFTRnlSS0dnbGlwaTFxZkFQaHpMUVc0VlFwNEtYNlFscWFyY0VienNuWUp2U0hsaVdpdWdmWlZOaE82dEtKT3RpU0djYzl5SmpQejVvTjFpSHRWeGRCeG55ZlNrQXl3cURIRHZwQ2RpT2w5NmlpTUExbkExWGJNa3ZKLW1qTXk3a3dMbWpwRHdFWWEycUl0NWV4Z0I4RjdnNURDRXB4RDU4TjVpSEtpNFRSZXVoM0JwV1REWTdaRUIyZ1FocW9VcENEWXhZclIzekFUU2oyZw?oc=5) · Business Wire
- 2026-01-02 [Investar closes on its acquisition of Texas-based First National Bank - Baton Rouge Business Report](https://news.google.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?oc=5) · Baton Rouge Business Report
- 2026-04-23 [First Community Bank expands Gulf Coast footprint with Port Lavaca acquisition - The Victoria Advocate](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOTE1SMDdMejhZRFJPcWRpRXhfVE0wcnF3V3ZaeHQwZ1o3QVpQX2ZtNy11WnFTeW1qSGQ3Z0s2OTIwSXp5NW9MdGxreVRnb04tOU5OMU9aZ1NtS0RHTEJzVlVrZVF2UlZRZU4tUEhxNF9XTWRmZGNQdjNzdXBaajBScmQwelUzbUFmS3A0dFBNMUUydDBuNFF1RTN3V2dTaWZsNXV2QVp4Qm5SdGpMeHl0NnNTcjREVExDZG0w?oc=5) · The Victoria Advocate
- 2026-03-12 [Hotz off the Press: Striking Gold with Goldthwaite, Texas Notes - Numismatic News](https://news.google.com/rss/articles/CBMifkFVX3lxTFBUaGdhM3JnNlc3cUV6SnZWbFRnNHZsYkZiQ2wxWm9EbjNSbmdRMkZvdVFJZjlQV19nQTBfMnZMNEFDVmJyMWFQazFWeXY5NG9OZlg4V21vMXpRXzQ4VFRXMnNrX0tGYV85NlUxNkEtYjNpQXRIRUtkNlRNVzFodw?oc=5) · Numismatic News
- 2026-06-07 [First National Bank Texas wins Texas Bankers Association Cornerstone Award | Local News - The Killeen Daily Herald](https://news.google.com/rss/articles/CBMi6wFBVV95cUxPN1FfRjJ2dzRrVHdaQU9GYmR1YkhhZ2Z1Nm92WjNPV1ZlejNQdnkzRWkyYWZnOF91ZWJ4VzVDWEVVdUdaU21Md3VwdFhvR3hBaE5sR3JSN2ZBeVhfOFY1Q2JMMGUzeWJnanhNaVNNaVZod0ppZllQQXlrMTNUSGhYbXd3ZHFZZV92bnB4a2hYZV9oaDlQcTBIcFkyX2VpdjB3NWZVMGJVYjNCZnJHNDJaelRmYXF0a0t1N0JtUnZ0NmpidTU5YmNWSk14UXV6TFJRSkhna3V3aV9DdFRPOF8zbW5lNlNWaTZSY20w?oc=5) · The Killeen Daily Herald

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14318 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/46.json (key "14318", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide