HMDA records
1,564
2025
Public institution profile · Bank · Not a recommendation
First National Bank Texas
BankKilleen, TXActive
FDIC certificate 3285
Data observedAugust 3, 2026Section records may have different source dates.
- Public-source data
- Source-linked records
- No paid lender rankings
- See methodology
- Correct the record
Identifiers, verification, and corrections
Stable identifiers
Publication-authorized verified identifiers only. Missing applicable identifiers are shown as unpublished verified matches, not as a finding that no record exists.
- FDIC certificate
- 3285
- company ID
- Not published — no verified match
More identifiers
- Federal Reserve
- 613950
- OCC charter number
- 5750
- Not published — no verified match
- Official website
- https://www.1stnb.com
Verify at FDICVerify at FFIEC NIC / regulator
Identity verified through FDIC; additional sources pendingVerification describes the U.S. Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Profile notes
This is a descriptive public-record research profile. It is not a recommendation, eligibility decision, product assessment, or rate quote.
Data correction
Institutions or readers may request review when a published field differs from an official source. Provide the relevant official source URL with the request.
Request a correctionAt a glance
- Institution type
- Bank
- Status
- Active
- Headquarters
- Killeen, TX
- HMDA activity
- Published activity year 2025
- Listed branch locations
- 354
- Complaint records
- CFPB search status is not currently available.
- CRA examinations
- No published CRA result found
- Institution history
- 3 published events
What USMI publishes
Public records USMI has matched to this institution. The sections below keep the evidence, the source, and that section's date together.
- Institution type
- Bank
- Status
- Active
- Headquarters
- Killeen, TX
- activity
- Published activity year 2025
- Listed branch locations
- 354
- Complaint records
- CFPB search status is not currently available.
- CRA examinations
- No published CRA result found
- Institution history
- 3 published events
Mortgage FAQ: How can I check whether a company or person can make or broker mortgage loans? This is general mortgage education, not a finding about this institution.
What this profile is not
- Not a lender recommendation or ranking.
- Not a mortgage rate sheet or quote.
- Not an underwriting, approval, or eligibility decision.
- Not proof of an NMLS license unless a verified NMLS company ID/source is specifically published.
- Not a complaint-resolution channel.
- Missing source blocks do not establish that an institution lacks an activity, identifier, license or regulatory record.
HMDA
Mortgage activity
Reported records for the selected year. These figures are not a lender score.
1,564reported records
1,212reported originations
2025 reported mortgage activity. Source: HMDA.
HMDA2025The year selector below shows each published activity year.
activity
Mortgage activity reported in HMDA. Public HMDA records are available for 2018–2025.
Geographynationwide
HMDA source observed2026-08-09
Loan originations
1,212
2025
Denials
48
2025
Withdrawals
287
2025
Denial rate among decisioned applications
3.8%
2025
Annual history
Scroll sideways to review every HMDA column.
| Year | HMDA records | Originations | Approved but not accepted | Denials | Withdrawals | Denial rate |
|---|---|---|---|---|---|---|
| 2025 | 1,564 | 1,212 | 2 | 48 | 287 | 3.8% |
| 2024 | 1,210 | 945 | 1 | 60 | 189 | 6.0% |
| 2023 | 1,271 | 862 | 2 | 124 | 268 | 12.6% |
| 2022 | 2,290 | 1,009 | 7 | 962 | 285 | 48.6% |
| 2021 | 2,874 | 1,699 | 12 | 729 | 412 | 29.9% |
| 2020 | 2,803 | 1,903 | 4 | 491 | 391 | 20.5% |
| 2019 | 1,816 | 957 | 9 | 566 | 269 | 36.9% |
| 2018 | 1,860 | 957 | 13 | 590 | 266 | 37.8% |
Detailed activity
Loan type and purpose
| Category | HMDA records |
|---|---|
| Conventional | 490 |
| FHA | 664 |
| VA | 399 |
| RHS / FSA | 11 |
| Home purchase | 1,357 |
| Home improvement | 41 |
| Refinancing | 136 |
| Cash-out refinancing | 0 |
State reporting
24 states / territories reported
How to read these figures
HMDA records include applications, originations, purchased loans and other reportable actions. The total number of HMDA records is not the same as the number of mortgages originated. The displayed denial rate uses decisioned applications: originations, approved but not accepted, and denials.
CFPB
CFPB consumer submissions
Complaints are consumer submissions and are not findings of wrongdoing.
CFPBComplaint coverage dates are shown with the records. They are not the profile observed date.
CFPB Mortgage Complaint Activity
No published complaint result found
No mapped CFPB mortgage complaint activity is currently published on this profile under U.S. Mortgage Index's verified entity-matching methodology. This is not a finding that no complaint exists under another company name, affiliate, source attribution, period, or configuration.
This does not establish that no record exists elsewhere. It means USMI does not currently have a published matching result for this profile.
CFPB complaint records are submissions received by the Consumer Financial Protection Bureau.
Complaint volume is context. It is affected by company size, servicing volume, time in market and consumer awareness. It is not proof of wrongdoing.
Current USMI CFPB mortgage complaint coverage begins December 1, 2012. Data through August 20, 2026.
Learn more: What can I do if I think a mortgage lender discriminated against me? This is general mortgage education, not a finding about this institution.
Regulatory records
Regulatory & institutional records
Only records that apply to this institution are shown. Identifiers stay as published.
FFIEC NICAugust 19, 2026Observed date for the NIC institution record.
Institution identity
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- First National Bank Texas
- Display name
- First National Bank Texas
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- January 1, 1934
- Established date
- February 27, 1901
- Charter class
- National bank, member of the Federal Reserve System (FRS)
- Primary federal regulator
- Office of the Comptroller of the Currency
- Headquarters
- Killeen, TX, 76541, United States
- Website
- https://www.1stnb.com
- FDIC certificate number
- 3285
- Federal Reserve
- 613950
- OCC charter number
- 5750
- Domestic location count
- 358
- Source observed
- August 3, 2026
Regulatory information
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- OCC
- Institution type
- National Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 3285
- Federal Reserve
- 613950
- 5493006KQF5UKZ3Y9N07
- Headquarters
- 901 East Central Texas Expressway, Killeen, TX, 76541, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Community Reinvestment Act (CRA)
No published CRA result found. This does not establish that no record exists elsewhere. It means USMI does not currently have a published matching result for this profile.
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
Formal hierarchy
FFIEC NIC hierarchy rows
6
Showing 1 through 6 of 6 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| Direct relationship | 1STNB CAPS LLC | Domestic Entity Other | Killeen, TX |
| Direct relationship | FIRST COMMUNITY INSURANCE SERVICES, LLC | Domestic Entity Other | Quinlan, TX |
| Direct relationship | FIRST NATIONAL REALTY II, LLC | Domestic Entity Other | Killeen, TX |
| Direct relationship | FIRST NATIONAL REALTY, LLC | Domestic Entity Other | Killeen, TX |
| Direct relationship | FNBT HQ, LLC | Domestic Entity Other | Killeen, TX |
| ROOT_INSTITUTION | FIRST NATIONAL BANK TEXAS DBA FIRST CONVENIENCE BANK | National Bank | Killeen, TX |
These rows are the FFIEC NIC formal hierarchy. They are not branch locations and they are not the separate institution-relationship records.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured national bank
Locations
Branch and office locations
Start with the published count and primary location. Search stays paged so the first view stays readable.
FFIEC NIC branchesAugust 19, 2026Branch rows are paged. Filters stay in the page address.
Branch locations
Listed locations from FFIEC NIC. Counts use the published branch record, not a store locator.
Branch network
Listed locations
354
Showing 201 through 250 of 354 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| HEB - BEECHNUT BANKING CENTER - RC 424 BRANCH | 10100 Beechnut | Houston | TX | 77072 |
| HEB - FRY RD BANKING CENTER - RC 423 BRANCH | 1550 Fry RD | Houston | TX | 77084 |
| HEB - GULFGATE BANKING CENTER - RC 418 BRANCH | 3111 Woodridge | Houston | TX | 77087 |
| HEB - JOE V'S - VICTORY BANKING CENTER - RC 442 | 612 N Victory | Houston | TX | 77088 |
| HEB - KEMPWOOD BANKING CENTER - RC 570 BRANCH | 10251 Kempwood Drive | Houston | TX | 77043 |
| HEB - MI TIENDA - LITTLE YORK BANKING CENTER - RC 323 | 3800 Little York, Ste 180 | Houston | TX | 77093 |
| HEB UVALDE RRC 443 BRANCH | 5607 Uvalde Road | Houston | TX | 77049 |
| HEB-MACGREGOR BANKING CENTER - RC 682 | 6055 South Freeway | Houston | TX | 77004 |
| HOUSTON BRANCH | 5801 South Gessner Drive | Houston | TX | 77036 |
| JOE V'S - LOCKFIELD BANKING CENTER | 12009 Northwest Freeway | Houston | TX | 77092 |
| JOE V'S BELLFORT BANKING CENTER | 7755 West Bellfort Avenue | Houston | TX | 77071 |
| JOE V'S HOUSTON RC 446 BRANCH | 12035 Antoine Drive | Houston | TX | 77066 |
| KROGER PROVIDENCE BANKING CENTER-RC 347 | 9303 Highway 6 South | Houston | TX | 77083 |
| NORMANDY KROGER | 12620 Woodforest Blvd, Suite 200 | Houston | TX | 77015 |
| POST OAK KROGER | 10306 S Post Oak RD | Houston | TX | 77035 |
| PRESIDIO HEB BANKING CENTER - RC 484 | 14498 Bellaire Blvd | Houston | TX | 77083 |
| SABO ROAD BRANCH | 11701 S Sam Houston East Parkway | Houston | TX | 77089 |
| SUPER WALMART NORTH HOUSTON WEST RD BANKING CENTER RC 629 | 10411 North Freeway | Houston | TX | 77037 |
| TELEPHONE ROAD BANKING CENTER - RC 849 | 6322 Telephone Road | Houston | TX | 77087 |
| WEST 43RD KROGER | 1352 W 43rd ST | Houston | TX | 77018 |
| WESTHEIMER KROGER | 9919 Westheimer RD | Houston | TX | 77042 |
| HUDSON OAKS BANKING CENTER RC 899 | 2801 East Interstate 20 | Hudson Oaks | TX | 76087 |
| HUMBLE BANKING CENTER RC 388 | 9475 FM 1960 Bypass Road | Humble | TX | 77338 |
| HEB 11TH ST HUNTSVILLE BANKING CENTER RC 488 | 1702 11th Street | Huntsville | TX | 77340 |
| HUNTSVILLE BANKING CENTER-RC605 | 141 Interstate 45 South, Suite E | Huntsville | TX | 77340 |
| HURST BRANCH | 1732 Precinct Line Road | Hurst | TX | 76054 |
| AIRPORT FREEWAY BRANCH | 4100 W Airport Freeway | Irving | TX | 75062 |
| BELTLINE KROGER BRANCH | 3612 N Beltline Rd, Suite 100 | Irving | TX | 75062 |
| FIRST CONVENIENCE BANK BRANCH -RC 336 STORY RD JOE VS HEB | 2407 West Airport Freeway | Irving | TX | 75062 |
| MACARTHUR KROGER BRANCH | 7505 N Macarthur Blvd | Irving | TX | 75063 |
| SUPER WALMART-IRVING BANKING CENTER-RC 824 | 1635 Marketplace Blvd | Irving | TX | 75063 |
| SWM- JACKSONVILLE BANKING CENTER - RC 461 | 1311 S Jackson ST | Jacksonville | TX | 75766 |
| JOE V'S CLAY ROAD BRANCH | 4107 Fry Road | Katy | TX | 77449 |
| KERRVILLE WALMART BRANCH | 1216 Junction Highway | Kerrville | TX | 78028 |
| KILGORE SUPER WALMART BANKING CENTER | 1201 Stone Street | Kilgore | TX | 75662 |
| EASTLAKE BANKING CENTER-RC 116 | 1002 North 38th Street | Killeen | TX | 76543 |
| ELMS ROAD BRANCH | 4304 East Central Texas Expressway | Killeen | TX | 76543 |
| FIRST COMMUNITY MORTGAGE COMPANY | 3106 S W S Young Dr, Bldg D, Suite 402 | Killeen | TX | 76542 |
| HEB TRIMMIER BANKING CENTER RC 122 | 2511 Trimmier Road | Killeen | TX | 76542 |
| HEB WEST STAN SCHLUETER - RC 131 | 1101 West Stan Schlueter Loop | Killeen | TX | 76549 |
| KILLEEN WALMART BRANCH | 1400 Lowes Boulevard | Killeen | TX | 76542 |
| SUPER WALMART-FINANCIAL SERVICES CENTER-RC 130 | 3404 West Stan Schlueter Loop | Killeen | TX | 76549 |
| HEB KYLE BANKING CENTER | 5401 South FM 1626 | Kyle | TX | 78640 |
| LAKE JACKSON WALMART BRANCH | 121 Highway 332 West | Lake Jackson | TX | 77566 |
| LANCASTER BANKING CENTER-RC 807 | 150 North Interstate 35 East | Lancaster | TX | 75146 |
| HEB - SAN DARIO - RC 417 BRANCH | 4801 San Dario | Laredo | TX | 78041 |
| HEB - WEST DEL MAR - RC 440 BRANCH | 210 W. Del Mar Blvd | Laredo | TX | 78041 |
| HEB-BOB BULLOCK BANKING CENTER-RC 422 | 1911 NE Bob Bullock Loop | Laredo | TX | 78045 |
| HEB-SAUNDERS BANKING CENTER-RC 427 | 2310 E. Saunders | Laredo | TX | 78041 |
| HEB-ZAPATA BANKING CENTER-RC 645 | 2314 S. Zapata | Laredo | TX | 78046 |
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
History
Institution history
Events are listed by date. The source event type is kept with the record.
HistoryAugust 19, 2026Event dates come from the source row. The observed date is when USMI reviewed the file.
Institution history
History events from FFIEC NIC, newest first. USMI does not add a merger or failure narrative.
Institutional history
FFIEC NIC history events
3
Showing 1 through 3 of 3 history events
| Event date | Event type | Related institution |
|---|---|---|
| October 1, 2020 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| January 1, 1990 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| January 1, 1990 | Charter Discontinued (Merger or Purchase & Assumption) | — |
These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
SourcesEach source keeps its own observed date. Dates are not combined into one profile date.
Sources & methodology
Sources are shown as recorded in the published public views. Observed dates describe when a public record was reviewed, not a real-time update.
FDIC BankFind
Source reviewed2026-08-03
Limitation
FDIC fields describe the institution record USMI reviewed. They are not a recommendation or a real-time license check.
CFPB Consumer Complaint Database search
Source reviewed2026-08-03
Limitation
Complaint records are consumer submissions. A complaint is not proof of wrongdoing, and absence from this profile is not proof that no complaint exists elsewhere.
HMDA modified LAR
Source reviewed2026-08-03
Limitation
HMDA counts describe reported records for the published geography and year. They are not a quality score or a market-rank.
FFIEC NIC institution profile
Source reviewed2026-08-19
Limitation
The observed date is when USMI reviewed the public NIC record. It is not a real-time status feed.
FFIEC NIC branches
Source reviewed2026-08-19
Limitation
Branch rows are FFIEC NIC listed locations, not a consumer-facing store locator.
FFIEC NIC organizational hierarchy
Source reviewed2026-08-19
Limitation
Hierarchy rows are the FFIEC-reported structure. They are not a complete legal-ownership opinion and they are not branch locations.
FFIEC NIC institution history
Source reviewed2026-08-19
Limitation
History events are shown as reported by FFIEC NIC. USMI does not add a merger or failure narrative.