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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Texas, the state note

First National Bank Texas

Killeen, Texas · $4.64B in assets · beside the 11 other Texas banks between $3B and $10B

The filing

6.7%
Equity / assets
11th of 12
1.23%
NPA / loans
10th of 12
84.5%
Efficiency
10th of 12

First National Bank Texas is the fifth largest of the 12 Texas banks nearest its size between $3B and $10B, with $4.64B in assets at 30 June 2026. Loans are 55.8% of deposits, 3rd of 12 against a median of 71.8%, and equity is 6.7% of assets, 11th of 12. Loans grew +6.9% in the year, 4th of 12, and deposits grew 7.3%; the cohort's median loan growth is +2.2%.

Noncurrent loans are 1.23% of the book, 10th of 12 against a median of 0.60%; 1.47% is 30 to 89 days past due, and the allowance covers them 1.0 times. Net charge-offs are 0.83% of loans, the highest in the cohort. Commercial real estate is 41.6% of loans, 9th of 12 against a median of 38.8%, and 206% of capital, below the 300% screen, with construction at 52% against the 100% screen.

Return on assets is 1.17%, 9th of 12 against a median of 1.58%, on an efficiency ratio of 84.5%, 10th of 12. Five years ago it was 1.35%. The question is which of these lines moves first over the next four quarters, and against which peer.

Equity as a share of assetsTX banks $3B to $10B · 30 June 2026 · higher is stronger, listed first
median 10.9% AB Austin Bank Texas N.A. 15.1% TB Texas Bank & Trust Co. 12.9% IB International Bank of Com 12.7% IN Inwood National Bank 11.6% VN Verabank National Association 11.4% CB City Bank 11.1% CC Cornerstone Capital Bank SSB 10.8% BN Broadway National Bank 9.1% VB Vantage Bank Texas 8.6% TE Texas Exchange Bank 8.2% FN First National Bank Texas 6.7% AN American National Bank of Texas 6.0%
Loans, year over yearTX banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +2.2% CC Cornerstone Capital Bank SSB +67.5% CB City Bank +21.4% VB Vantage Bank Texas +14.7% FN First National Bank Texas +6.9% AN American National Bank of Texas +4.8% IB International Bank of Com +2.7% IN Inwood National Bank +1.7% AB Austin Bank Texas N.A. +0.7% VN Verabank National Association -1.5% TB Texas Bank & Trust Co. -1.7% BN Broadway National Bank -10.7% TE Texas Exchange Bank -23.7%

SBA 7(a), FY2008 to FY2026

First National Bank Texas is the 122nd largest 7(a) lender into Texas of 706, with $67M across 193 loans, 0.1% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 27 of its 31 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Bell, TX$12M5th of 1214.0%-17.1 pts
Bexar, TX$12M48th of 2370.5%quiet FY2021
El Paso, TX$10M15th of 981.8%quiet FY2022
Montgomery, TX$6M46th of 1650.5%quiet FY2022
Dallas, TX$4M150th of 3140.1%quiet FY2022
Harris, TX$3M160th of 3140.0%quiet FY2022
Tarrant, TX$3M142nd of 2810.1%-0.4 pts
Travis, TX$2M134th of 2390.1%quiet FY2021
Mclennan, TX$2M41st of 1120.8%quiet FY2022
Blanco, TX$2M8th of 245.6%quiet FY2021
Williamson, TX$2M105th of 1810.2%-0.6 pts
Collin, TX$1M167th of 2610.1%quiet FY2022
Maricopa, AZ$1M204th of 3030.0%quiet FY2022
18 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Other services20$10M15.0%0.03%347th of 2,248
Real estate & leasing9$9M12.8%0.07%216th of 1,452
Health care & social assistance23$8M12.0%0.02%421st of 2,172
Retail trade11$7M10.0%0.01%595th of 2,589
Accommodation & food services24$7M9.8%0.01%705th of 2,596
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and First National Bank Texas
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans FN First National Bank Texas 0.2% $67M · 193 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
First National Bank TexasRankCohort median
Total CRE against capital, the 300% screen206%7th of 12191%
Construction against capital, the 100% screen52%4th of 1257%
Construction and land development, share of loans10.5%5th of 1211.1%
Non-owner-occupied nonfarm nonresidential, share of loans22.4%7th of 1222.2%
Total CRE, the guidance definition, share of loans41.6%9th of 1238.8%
CRE growth over 36 months, the third prong+45.8%10th of 12+16.3%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
American National Bank of Texas$5.51B0.7%74.8%0.23%0.03%1.3%73.9%6.0%
Broadway National Bank$5.42B1.8%57.9%0.19%0.13%1.1%65.3%9.1%
City Bank$5.39B1.4%60.7%0.25%0.05%1.4%80.1%11.1%
Vantage Bank Texas$5.14B1.6%55.5%0.87%0.30%1.3%88.9%8.6%
First National Bank Texas$4.64B1.2%84.5%1.23%0.83%1.3%55.8%6.7%
Verabank National Association$4.58B1.6%57.9%0.96%0.10%1.2%69.6%11.4%
International Bank of Com$4.56B1.7%38.5%9.17%0.11%2.5%40.2%12.7%
Texas Exchange Bank$4.49B0.6%95.2%0.00%0.00%1.4%26.2%8.2%
Texas Bank & Trust Co.$4.34B1.6%54.7%0.61%0.01%1.2%91.5%12.9%
Inwood National Bank$4.26B1.6%38.2%0.37%0.41%0.9%67.7%11.6%
Cornerstone Capital Bank SSB$3.67B0.1%89.0%3.62%0.07%0.6%110.0%10.8%
Austin Bank Texas N.A.$3.33B2.1%51.3%0.60%0.05%1.5%89.3%15.1%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
First National Bank TexasCohort median
20212026Change20212026Change
Loans$1.41B$2.29B+63%$1.84B$2.70B+47%
Deposits$3.29B$4.10B+25%$3.02B$3.97B+31%
NPA / loans0.47%1.23%+0.76 pts0.44%0.60%+0.16 pts
Efficiency86.2%84.5%-1.7 pts63.9%57.9%-6.0 pts
ROA1.35%1.17%-0.18 pts1.31%1.58%+0.26 pts

This read was prepared for First National Bank Texas's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on First National Bank Texas is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TX banks $3B to $10B
Institution www.1stnb.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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