# FIRST NATIONAL BANK TEXAS
KILLEEN, TX · FDIC certificate 3285 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 3 (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 | $4.64B | |
| Deposits | $4.10B | |
| Loans and leases | $2.29B | |
| Total equity | $311.5M | |
| Loans / deposits | 55.14% (p6 of band) | 87.10% |
| Liquid assets / assets | 46.02% (p93 of band) | |
| Uninsured deposits / deposits | 8.51% (p3 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.67% (p27 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.12% (p16 of band) | 10.50% |
| Unrealized securities loss / equity | -45.43% (p3 of band) | -7.75% |
| AOCI / equity | -1.61% (p7 of band) | |
| ROA (annualized) | 1.21% (p46 of band) | 1.26% |
| Net interest margin | 3.86% (p60 of band) | 3.70% |
| Efficiency ratio | 84.51% (p97 of band) | |
| Noncurrent loans | 1.23% (p78 of band) | 0.51% |
| Net charge-offs (annualized) | 0.41% (p93 of band) | |
| Reserve coverage of noncurrent | 103.28% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 77.24% (p77 of band) | |
| Auto loans | $72.2M (3.15% of loans; DQ 2.06%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 7.3% | |
| Employees | 3176 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | reserve under noncurrent |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | reserve under noncurrent |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 | capital falling | reserve under noncurrent |
| 2013-03 | 3 | leverage <7% |  |
| 2013-06 | 1 |  | capital falling, leverage <7% |
| 2013-09 | 3 | charge-offs p90, reserve under noncurrent |  |
| 2013-12 | 5 | AOCI drag >20% of equity, noncurrent p90 |  |
| 2014-03 | 3 |  | AOCI drag >20% of equity, noncurrent p90 |
| 2014-06 | 4 | noncurrent p90 |  |
| 2014-09 | 4 |  |  |
| 2014-12 | 5 | uninsured deposits leaving |  |
| 2015-03 | 4 |  | uninsured deposits leaving |
| 2015-06 | 4 |  |  |
| 2015-09 | 4 |  |  |
| 2015-12 | 4 |  |  |
| 2016-03 | 4 |  |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 4 |  |  |
| 2017-06 | 5 | capital falling |  |
| 2017-09 | 4 |  | capital falling |
| 2017-12 | 4 |  |  |
| 2018-03 | 5 | capital falling |  |
| 2018-06 | 5 |  |  |
| 2018-09 | 4 |  | capital falling |
| 2018-12 | 4 |  |  |
| 2019-03 | 4 |  |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 5 | capital falling |  |
| 2020-06 | 3 |  | reserve under noncurrent, noncurrent p90 |
| 2020-09 | 2 |  | capital falling |
| 2020-12 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2021-03 | 3 |  | charge-offs p90 |
| 2021-06 | 3 | capital falling, charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 4 |  |  |
| 2022-09 | 5 | construction >100% equity |  |
| 2022-12 | 5 |  |  |
| 2023-03 | 6 | capital falling, noncurrent p90 | AOCI drag >20% of equity |
| 2023-06 | 6 | reserve under noncurrent | capital falling |
| 2023-09 | 7 | AOCI drag >20% of equity |  |
| 2023-12 | 6 |  | AOCI drag >20% of equity |
| 2024-03 | 6 |  |  |
| 2024-06 | 6 |  |  |
| 2024-09 | 5 |  | noncurrent p90 |
| 2024-12 | 5 |  |  |
| 2025-03 | 5 |  |  |
| 2025-06 | 3 |  | construction >100% equity, reserve under noncurrent |
| 2025-09 | 4 | reserve under noncurrent |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 3 |  | reserve under noncurrent |
| 2026-06 | 3 |  |  |

## 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
- 2025-11-05 [$22K Grant from FHLB Dallas and First National Bank Texas Helps Central Texas Veteran Repair Roof and Restore Safety - Business Wire](https://news.google.com/rss/articles/CBMihgJBVV95cUxNTC1kdmZzNm16eHVLQXd5MnZaeU5RUlV3dHNMVGVra1g1NFdsVlVFT2dZMzFldUtvaDFMbzNMc3h1SXVQU2h3d3dpTm1xRVd5aGRtWi1yc1R4MmRVR2F2Zkpibnh3MTlocE44MHkyV3BkUGlEM0c5WGExS3RGT0Rkc0lFenJ5RmJWVVhLUDJ2Qy1Kek1tUjlfdlVvcngyaVozNmloUFRCR19IRHBGVnNURkRhd09pSTE4Y19TUmJXVWhrWkFQQXUwcG8tdGdOcXR0U1pCdzMwUy1kYXcxR3NCZzhjYlI2UzZjd1dZV1pDaENIbFdtbU5Bcmt1VkR6Ulkyb1A0aTFR?oc=5) · Business Wire
- 2026-08-11 [Killeen Home Access Center - Oma Erto](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1IbzVfVHh1TzA4TEh2Zjg0QjcyQzdHTkwwaXhfSlBHM2VXQkMxSk1xM2dOekJhaF8tdTBhQ0w2ODBFVUpTYnNob0hJZE5UMkdyWlBWZUp6dDFtaWxpYWZqYTN3dnE?oc=5) · Oma Erto
- 2026-06-17 [Video: Free Killeen Exotic Animal Show hosted at the First National Bank Texas Family Recreation Center - The Killeen Daily Herald](https://news.google.com/rss/articles/CBMihAJBVV95cUxNRlhfYnp2czNzYUtubXFzd1dZOWp1amxYQXFaVmtxdU1XeUpvLXlpelU1RWQ0WEtjSVRlYVVRVy05TDVOdVBPVkg3dmk1RXNKZC1Damt4RnFsQUo4akpJank2Yy1nQ29EdXh6clRnMWpNMVZNVXdzMlRKX1pURmVtZWxSWmJBYmxOQnZOOVkxVzlTTHVSY0dxY3BWdV9LbmctVkV1THpnZFhLbXNZWnpHdUlidmc3bzdUdm1jQU01bDNGYklpeTQtQWVoWEVtNkwwbUoxUVozUWF4R183WFNKMGhnSjlWN2V5V2xlcXlyZldkZ1dGd1kwWll6U3FaMk9qbG1aSA?oc=5) · The Killeen Daily Herald
- 2026-07-20 [P. Tuggle Obituary - Killeen, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMie0FVX3lxTE9iYmJlbVFJdmZ4Vm9RRzVVdWZuMEpFRTVuTGtJQWNXeXFKRElVSm8yMzdONS1ybGY4S0JTZmpMU1hfTFBOUnM2U192cGp2cTc0Z3ZtcFZROW1jRHF5ME02cHRFYl9OOFo4UWp4b2RwdGhkTDNqUm1QWGMtZw?oc=5) · Dignity Memorial
- 2024-11-15 [First National Bank Texas Review 2024 - businessinsider.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQM2RlNWNtWDJDLVFfVmN0ZFVyRzhfWTJYcXA2R0VfOXVfWDNWYTB1MzlyTDJfNDNuTUJKQ2NPVldEdHVwZm1sMDNScU9HamhoN1hfUXR1N05EdFctVU5fMXA5RDRMWlliZ3ltdzZYUUxMUmNjekZ3Z21fS0FJRzlqakMtMDEtbThhSlNEVHRMdnk3a3c?oc=5) · businessinsider.com
- 2025-07-10 [First National Bank Texas awarded the naming rights to Killeen Family Recreation Center - kcentv.com](https://news.google.com/rss/articles/CBMi8wFBVV95cUxQbXdrbnM4a3IySExGdk9hdE1iTEFQc09OcEF6TXhDX3Fvdkdma3ZVU21BLUhLY0RvUzJRU2lBdllmaGZ2OC1Vdlh0cEFRQVJTNDdEZC1IZHdsQTN0NGdRSF96SnVJWDd6OTA5MWJYZVBCTzBTVmhmY3ZiWGcyZFNZUURObGpHbDNhQnF1NUVYUERTSzVrYTVjNnFmdGtPM2VlaDFpYXZwUnY2U2NDek9FSXg1aEx2bGRwd2RZVVVQUDJyWkxZWEd4RTd4TmdXTnBjSm40OGhPTDBUeDNjaGI0bU9OT1dEN0g1TThvWkFYdThOdDg?oc=5) · kcentv.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3285 (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/21.json (key "3285", 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