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 Missing applicable identifiers are shown as unpublished verified matches, not as a finding that no record exists.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 301 through 350 of 354 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| SUPER WAL MART RED OAK BANKING CENTER-RC 550 | 100 Ryan Drive | Red Oak | TX | 75154 |
| CENTENNIAL KROGER | 536 Centennial Blvd | Richardson | TX | 75081 |
| RICHMOND WALMART BRANCH | 5330 FM 1640 Road | Richmond | TX | 77469 |
| ROANOKE BRANCH | 1228 North Highway 377 | Roanoke | TX | 76262 |
| WHITE HILLS BANKING CENTER BRANCH | 782 East Interstate 30 | Rockwall | TX | 75087 |
| ROUND ROCK COMMERCIAL LOAN OFFICE | 1750 Round Rock Avenue, Suite 300 | Round Rock | TX | 78681 |
| ROUND ROCK PALM VALLEY BRANCH | 4700 East Palm Valley Boulevard | Round Rock | TX | 78665 |
| ROUND ROCK PV - HEB BANKING CENTER | 1700 East Palm Valley Blvd | Round Rock | TX | 78664 |
| SUPER WALMART-ROUND ROCK BANKING CENTER-RC 810 | 2701 South Interstate 35 | Round Rock | TX | 78664 |
| SAGINAW BRANCH | 1401 North Saginaw Blvd | Saginaw | TX | 76179 |
| SAN ANGELO BANKING CENTER RC 650 | 5501 Sherwood Way | San Angelo | TX | 76904 |
| WEST BANKING CENTER RC 690 | 610 West 29th Street | San Angelo | TX | 76903 |
| BROADWAY - SAN ANTONIO BRANCH | 8522 Broadway, Ste 208 | San Antonio | TX | 78217 |
| HEB - CULEBERA BANKING CENTER - RC 419 BRANCH | 2130 Culebra | San Antonio | TX | 78228 |
| HEB - FM 78 BANKING CENTER - RC 687 BRANCH | 6580 FM 78 | San Antonio | TX | 78244 |
| HEB - JACKSON-KELLER BANKING CENTER - RC 433 | 6000 West Ave. | San Antonio | TX | 78213 |
| HEB - MILITARY DRIVE BANKING CENTER - RC 432 | 3323 S.e. Military DR | San Antonio | TX | 78223 |
| HEB - MONTGOMERY DR BANKING CENTER - RC 421 BRANCH | 6030 Montgomery DR | San Antonio | TX | 78239 |
| HEB - ZARZAMORA BANKING CENTER - RC 447 BRANCH | 6818 South Zarzamora | San Antonio | TX | 78224 |
| HEB VALLEY HI BANKING CENTER - RC 644 BRANCH | 368 Valley HI Drive | San Antonio | TX | 78227 |
| MCCRELESS HEB RC 320 | 4100 South New Braunfels Avenue | San Antonio | TX | 78223 |
| POTRANCO HEB RC 316 | 10718 Potranco Road | San Antonio | TX | 78251 |
| SWM - BANDERA ROAD BANKING CENTER - RC 492 | 918 Bandera Road | San Antonio | TX | 78228 |
| FCB SAN MARCOS WAL-MART | 1015 Highway 80 | San Marcos | TX | 78666 |
| SUPER WAL MART SHERMAN BANKING CENTER-RC 820 | 401 East U S Highway 82 | Sherman | TX | 75092 |
| FIESTA-PASADENA BANKING CENTER-RC 647 BRANCH | 1603 Spencer Hwy | South Houston | TX | 77587 |
| HEB - SPRING MARKET - RC 332 | 2121 FM 2920 | Spring | TX | 77388 |
| STAFFORD WALMART BRANCH | 11210 West Airport Boulevard | Stafford | TX | 77477 |
| STEPHENVILLE BANKING CENTER-RC 804 | 2765 West Washington Street | Stephenville | TX | 76401 |
| SULPHER SPRINGS WALMART BRANCH | 1750 South Broadway Street | Sulphur Springs | TX | 75482 |
| TAYLOR BRANCH | 3701 N Main ST | Taylor | TX | 76574 |
| HEB-TEMPLE BANKING CENTER-RC 607 | 1314 West Adams Avenue | Temple | TX | 76504 |
| SWM - W ADAMS BANKING CENTER - RC 453 | 6801 West Adams Avenue | Temple | TX | 76502 |
| TEMPLE WALMART BRANCH | 3401 South 31st Street | Temple | TX | 76502 |
| THE COLONY BANKING CENTER | 4691 State Highway 121 | The Colony | TX | 75056 |
| SWM TYLER BROADWAY | 6801 South Broadway Avenue | Tyler | TX | 75703 |
| TYLER BANKING CENTER | 5050 Troup Hwy | Tyler | TX | 75707 |
| HEB - UVALDE BANKING CENTER - RC 426 BRANCH | 201 E. Main ST | Uvalde | TX | 78801 |
| HEB - NAVARRO BANKING CENTER - RC 835 BRANCH | 6106 N. Navarro St. | Victoria | TX | 77904 |
| HEB - RIO GRANDE - RC 452 BRANCH | 1505 E. Rio Grande | Victoria | TX | 77901 |
| SUPER WALMART-VICTORIA HWY 59 BANKING CENTER-RC 454 | 4101 Houston Hwy | Victoria | TX | 77901 |
| VICTORIA WALMART BRANCH | 9002 North Navarro Street | Victoria | TX | 77904 |
| HEB- VALLEY MILLS BANKING CENTER - RC 389 | 1821 South Valley Mills Drive | Waco | TX | 76711 |
| WACO WALMART BRANCH | 4320 Franklin Avenue | Waco | TX | 76710 |
| WAXAHACHIE WALMART BRANCH | 1200 North Highway 77 | Waxahachie | TX | 75165 |
| WEATHERFORD WALMART BRANCH | 1836 South Main Street | Weatherford | TX | 76086 |
| SUPER WALMART WEST ORANGE BANKING CENTER - RC 469 | 3115 Edgar Brown Drive | West Orange | TX | 77630 |
| WESTWORTH VILLAGE BANKING CENTER - RC 683 | 6770 Westworth Boulevard | Westworth Village | TX | 76114 |
| GREENBRIAR BANKING CENTER - RC 827 | 5131 Greenbriar Road | Wichita Falls | TX | 76302 |
| WICHITA FALLS CENTRAL BANKING CENTER-RC 826 | 2700 Central Freeway | Wichita Falls | TX | 76306 |
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.