First National Bank Texas (FDIC #3285): Bank Stress & Real-Estate Credit Exposure

First National Bank Texas (FDIC Cert #3285): bank stress 77/100, severe, STABLE over 7 days; parent FIRST COMMUNITY BANCSHARES INC.

First National Bank Texas (#3285) lends in 99 counties across 4 states; First National Bank Texas (#3285) reaches 1,900 ZIP codes: Texas 73 counties, 1,297 ZIPs; New Mexico 10 counties, 164 ZIPs; Arkansas 10 counties, 163 ZIPs; Arizona 6 counties, 278 ZIPs.

First National Bank Texas (#3285) largest markets: Harris County, TX (6,006 branches, 143 ZIPs) (#3285), Maricopa County, AZ (2,380 branches, 140 ZIPs) (#3285), Dallas County, TX (2,945 branches, 95 ZIPs) (#3285), Bexar County, TX (858 branches, 78 ZIPs) (#3285), Tarrant County, TX (2,204 branches, 76 ZIPs) (#3285), Travis County, TX (126 branches, 63 ZIPs) (#3285).

First National Bank Texas (#3285) reports $4.64 billion in total assets; First National Bank Texas (#3285) equity $311.5 million (6.7% of First National Bank Texas (#3285) assets); First National Bank Texas (#3285) domestic deposits $4.10 billion; First National Bank Texas (#3285) net income $28.0 million; First National Bank Texas (#3285) return on assets 1.21%; First National Bank Texas (#3285) return on equity 18.70%; First National Bank Texas (#3285) net interest income $77.5 million; First National Bank Texas (#3285) call report June 30, 2026.

First National Bank Texas (#3285) noncurrent real-estate loans 0.11% of its book; First National Bank Texas (#3285) net charge-offs on real estate 0.56%.

First National Bank Texas (#3285) net interest margin 3.86% against an eight-quarter First National Bank Texas (#3285) average of 3.69% (First National Bank Texas (#3285) compression -0.16 points); First National Bank Texas (#3285) real-estate loans 10.6% of equity; First National Bank Texas (#3285) rate-exposure score 40/100, First National Bank Texas (#3285) fixed-rate trap 40/100; First National Bank Texas (#3285) risk type credit driven; First National Bank Texas (#3285) rate regime rates elevated, First National Bank Texas (#3285) snapshot October 20, 2026.

First National Bank Texas (#3285) stress score moved from 78.3 on June 22, 2026 to 77 on October 20, 2026; First National Bank Texas (#3285) ranged 77 to 78.3 over 117 snapshots.

First National Bank Texas (#3285) alerts: 39 counties; top First National Bank Texas (#3285) alert scores: Uvalde County, TX 48 (moderate); Orange County, TX 43 (moderate); Galveston County, TX 41 (moderate); Tyler County, TX 40 (moderate); Rockwall County, TX 40 (moderate).