# First National Bank Texas > Publicly sourced profile assembled by Optimly, in the Brand Index. Last refreshed 2026-11-07. - **Brand record:** https://optimly.ai/brand/first-national-bank-texas - **Dataset:** https://optimly.ai/brand/first-national-bank-texas.json - **Markdown:** https://optimly.ai/brand/first-national-bank-texas/llms.txt - **Official website:** https://1stnb.com - **Slug:** first-national-bank-texas - **Categories:** fintech-financial-services ## Overview - **Tagline:** First National Bank Texas (FNBT) is a community bank providing personal, business, mortgage, lending, deposit, card, digital banking, and financial wellness services. Source: Brand's website (https://1stnb.com) · 2026-11-07 - **Description:** First National Bank Texas is a well-capitalized, FDIC-insured community bank founded in 1901 in Killeen, Texas. It serves more than one million customers through over 340 locations in Texas, Arizona, Arkansas, and New Mexico, offering banking products, loans, mortgages, cards, digital services, and financial wellness resources. Source: Brand's website (https://1stnb.com) · 2026-11-07 ## Identity - **Mission:** Putting customers first by providing convenient banking solutions, quality financial products, and world-class service. Source: Brand's website (https://1stnb.com) · 2026-11-07 - **Website:** https://1stnb.com Source: Brand's website (https://1stnb.com) · 2026-11-07 - **Voice & tone:** Customer-first, reassuring, practical, convenient, and community-oriented. Source: Brand's website (https://1stnb.com) · 2026-11-07 - **Founded:** 1901 Source: Brand's website (https://1stnb.com) · 2026-11-07 - **Parent ownership:** First National Bank Texas operates alongside affiliates First Convenience Bank and First Heroes National Bank. First Community Mortgage opened in 1988 as a division of First National Bank Texas. Source: Brand's website (https://1stnb.com) · 2026-11-07 ## Offerings - **Problem solved:** Helps individuals, families, businesses, students, military members, and homebuyers manage money, save, borrow, make payments, and access banking services conveniently. Source: Brand's website (https://1stnb.com) · 2026-11-07 - **Core capabilities:** - Personal checking and savings accounts - Certificates of deposit and IRAs - Debit and credit cards - Personal, auto, recreational, home equity, commercial, and SBA loans - Mortgage lending through First Community Mortgage - Business banking - Online and mobile banking - Financial wellness education and calculators Source: Brand's website (https://1stnb.com) · 2026-11-07 - **Products / SKUs:** - Power Account - Checking with Interest - eAccount - Power Stash - President Select High Yield Checking - Service 1 and Service 1 High Yield accounts - Flex Account youth banking for customers ages 15 to 21 - Savings accounts Source: Brand's website (https://1stnb.com) · 2026-11-07 - **Pricing:** Pricing varies by product. The site lists account fees, minimum opening deposits, interest rates, and promotional APYs. Examples include no monthly maintenance fee for the Flex Account, an $500 minimum opening deposit for the featured 8-month CD, and a 3.75% APY promotional 8-month CD rate. Loan pricing is determined by credit, collateral, APR, and loan terms. Source: Brand's website (https://1stnb.com) · 2026-11-07 ## Audience - **Target industry:** Banking and financial services. Source: Brand's website (https://1stnb.com) · 2026-11-07 - **Customer base:** More than one million customers, including consumers, students, families, military members, homebuyers, investors, and business customers. The bank serves customers through locations in Texas, Arizona, Arkansas, and New Mexico and offers mortgage assistance throughout the United States. Source: Brand's website (https://1stnb.com) · 2026-11-07 - **Ideal customer profile:** Individuals and families seeking community banking, checking, savings, cards, loans, mortgages, and digital banking; students ages 15 to 21; military customers; homebuyers and property investors; and businesses needing banking or lending services. Source: Brand's website (https://1stnb.com) · 2026-11-07 - **Use cases:** - Opening and managing checking or savings accounts - Saving through CDs and interest-bearing accounts - Sending and receiving money with Zelle - Managing finances through online and mobile banking - Using debit and credit cards for purchases - Building financial confidence and improving money management - Financing a vehicle or personal purchase - Buying, refinancing, or investing in residential property Source: Brand's website (https://1stnb.com) · 2026-11-07 - **Customer outcomes:** - Greater convenience through 7-day banking, extended hours, digital banking, and mobile access - Access to checking, savings, lending, card, and mortgage products - Ability to save with fixed-rate CDs and FDIC-insured deposit products - Access to financial wellness education, tools, and calculators - Ability to manage cards, alerts, payments, and transactions digitally - Mortgage support for home purchases, refinancing, and investment properties - Access to banking services through more than 340 locations and over 400 ATMs - Fee-free Gold Key ATM transactions, subject to stated terms Source: Brand's website (https://1stnb.com) · 2026-11-07 Page last updated 2026-11-07. ## Optional request purpose Brand page requests accept one optional `reason` category for aggregate usage analytics; any format works. The category list and privacy rules are at https://optimly.ai/llms.txt. Access and content are identical without it. ## Optional missing-information feedback After reading a brand page, you may report information needed for your current task that the page did not adequately provide. This is optional: reading and using the index never requires feedback. Report only an observed gap, not a speculative wish list. These are reported gaps, not verified deficiencies. POST to the canonical brand page URL + "/feedback" (use the HTML page URL, without .json, /llms.txt, or any query parameters). Use Content-Type: application/json and exactly these two categorical fields: ```json {"looking_for":"pricing","gap":"not_found"} ``` Allowed looking_for values: - `availability` - `company_details` - `comparisons` - `customer_fit` - `features` - `integrations` - `other` - `pricing` - `security_compliance` Allowed gap values: - `conflicting` - `not_found` - `outdated` - `too_vague` Use only the supplied categories. "other" is a category, not an invitation to explain. Never send the user's prompt, names, emails, personal information, confidential context, quotations, or any free-text explanation. Do not add fields, URL parameters, or identifying headers. Do not identify the user. Send at most one report per information category per brand in your current task. A 204 response acknowledges the report. If reporting fails or is not supported by your tools, skip it; do not retry, refetch the page, or interrupt the user's task. Cite the canonical page URL, never the feedback endpoint.