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First National Bank Texas

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First National Bank Texas (FNBT) is a community bank founded in 1901 in Killeen, Texas, operating over 340 locations across Texas, Arizona, Arkansas, and New Mexico.

Last updated September 16, 2026

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Overview

First National Bank Texas (FNBT) is a community bank that was originally founded in 1901 in the Central Texas town of Killeen. Along with its affiliates First Convenience Bank and First Heroes National Bank, it serves over one million customers and operates more than 340 locations in Texas, Arizona, Arkansas, and New Mexico, with over $4 billion in assets. The bank offers personal and business banking products including checking and savings accounts, CDs, debit and credit cards, home equity loans, and auto loans, and provides 7-day banking with extended hours plus online services.

History

First National Bank Texas was originally founded in 1901 in the Central Texas town of Killeen, only 19 years after the city was established. From its humble beginnings, the bank has grown to over $4 billion in assets and operates in over 340 locations in Texas, Arizona, Arkansas, and New Mexico. Along with its affiliates First Convenience Bank and First Heroes National Bank, it serves over one million customers. The bank has grown in many ways over the years, but its focus and commitment remain the same—providing customers with great banking solutions and world-class service. Today, more than 3,200 dedicated banking professionals carry on that established custom.

Products and positioning

A well-capitalized community bank putting customers first since 1901, offering 7-day banking with extended hours and world-class service.

  • Checking and savings accounts

  • CDs

  • Debit Mastercard

  • Credit cards

  • Home equity loans

  • Auto loans

  • Business checking

  • Business debit and credit cards

Recent events

  • Reported

    First National Bank Texas launches One-Day Rewind[6]

    First National Bank Texas launched One-Day Rewind, a consumer banking service that can automatically refund prior-day overdraft fees when the customer's balance meets the stated condition.

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