First National Bank of Bastrop

First National Bank of Bastrop is an FDIC-insured community bank founded in 1889, operating 7 branches across Central Texas and serving retail consumers, small businesses, military households, and cross-border families with deposit, lending, mortgage, and wealth management products.

Company typePrivate
Founded1889
HeadquartersBastrop, United States
Headcount101–250
GTM typeB2B and B2C
OfferingServices

What First National Bank of Bastrop does

First National Bank of Bastrop is an FDIC-insured community bank founded in 1889, headquartered in Bastrop, Texas, and operating a 7-branch network spanning Bastrop, Cedar Creek, Elgin, Falls County, and Smithville in Central Texas. It provides retail and small-business banking products, including checking and savings accounts, debit/ATM cards, online and mobile banking, bill pay, consumer and business lending, mortgages, and treasury/cash management. The bank also offers wealth-management services through a partnership with LPL Financial, and supports international remittances to 12 Latin American countries alongside specialized military banking programs.

First National Bank of Bastrop firmographics

Firmographics

Name: First National Bank of Bastrop
Legal name: First National Bank of Bastrop
Website: https://fnbbastrop.bank
Company type: Private
Founded year: 1889
Operating status: Operating
Headcount range: 101–250 employees
Short description: First National Bank of Bastrop is an FDIC-insured community bank founded in 1889, operating 7 branches across Central Texas and serving retail consumers, small businesses, military households, and cross-border families with deposit, lending, mortgage, and wealth management products.
Ownership category
akta.pro rank

Where First National Bank of Bastrop is headquartered

Location

Headquarters

HQ city: Bastrop
HQ country: United States
HQ region: North America

Offices5 records

Markets served

First National Bank of Bastrop business model

Business model

GTM type: B2B and B2C
Offering type: Services
Cost components: Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

Interest Income: Primary revenue from interest earned on loans including mortgages, home equity, personal loans, auto loans, commercial loans, and commercial real estate financing.
Deposit Account Fees: Fees from checking accounts, savings accounts, money market accounts, and certificate of deposits.
Business Banking Services: Revenue from treasury solutions including ACH origination, wire transfers, merchant services, positive pay, and business credit cards.
International Transfer Fees: Fees from international wire transfers to Latin American countries including Argentina, Brazil, Chile, Colombia, Costa Rica, Dominican Republic, Ecuador, El Salvador, Guatemala, Honduras, Mexico, and Peru.
Wealth Management Services: Revenue from wealth management/LPL financial services offered to customers.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

First National Bank of Bastrop product offering

Product offering

Core offering

First National Bank of Bastrop is a community bank providing personal and business deposit accounts, consumer and commercial lending products, treasury management services, mortgage and home equity financing, and wealth management solutions through seven branch locations across Central Texas. The bank also offers international wire transfers to twelve Latin American countries and specialized banking programs for military personnel and veterans.

Product overview

First National Bank of Bastrop is a regional community bank offering a comprehensive suite of financial products and services organized into personal banking, business banking, lending/mortgage, and wealth management divisions. The product portfolio includes deposit accounts (checking, savings, CDs, money market, IRAs), credit products (consumer and business credit cards, personal and commercial loans, mortgages, home equity products), and digital banking platforms. Business services encompass treasury management tools (ACH origination, wire transfers, merchant services, Positive Pay fraud protection, RemitPlus Express lockbox services). The bank also offers specialized programs for military personnel and small businesses, international transfer services to Latin American countries, and wealth management through partnership with LPL Financial. The digital banking infrastructure provides both consumer and business online and mobile banking capabilities.

Differentiator

Problem solved

Functional benefit

Products and services

Rewards Checking A personal checking account with enhanced security features and savings benefits designed for everyday banking customers.
Regular Checking A standard personal checking account for everyday banking needs.
NOW Checking Account A negotiable order of withdrawal checking account with interest-bearing features.
Regular Savings Account A standard savings account for personal deposits and funds accumulation.
Contigo Savings A personal savings account designed to help customers stay on track with their savings goals.
Certificate of Deposits (CDs) Time deposit accounts that help customers grow their money with fixed interest rates over a specified term.
Money Market Account A savings account with competitive interest rates that allows limited check-writing privileges.
Individual Retirement Accounts (IRAs) Tax-advantaged retirement savings accounts including traditional and Roth IRA options.
Military Personal Banking Specialized banking products and services designed for military personnel and their families.
Consumer Credit Cards Personal credit card products for everyday purchases and credit building.
Digital Banking Online and mobile banking platform enabling customers to access accounts, transfer funds, pay bills, and manage finances remotely.
Business Checking Commercial checking accounts designed for business operations and cash management.
Business Savings Account Savings accounts for business entities to set aside funds and earn interest.
Business Certificate of Deposits Time deposits designed for businesses to invest excess funds at fixed rates.
Business Money Market Account Business savings account with money market features and limited transaction capabilities.
Military Small Business Banking Banking services tailored for veteran and military-owned small businesses.
Commercial Real Estate Loans Financing for commercial property acquisition, development, and refinancing.
Commercial & Agricultural Loans Loans and credit facilities for commercial operations and agricultural businesses.
Small Business Administration (SBA) Loans Small Business Administration-backed loans to help businesses access capital with government support.
Treasury Solutions A suite of business cash management tools including ACH origination, wire transfers, merchant services, and fraud protection.
Business Credit Cards Credit cards designed for business expenses with tools for expense management and tracking.
Workplace Banking Banking programs designed for employers to offer to their employees as a workplace benefit.
Digital for Business Online banking platform specifically designed for business account management and treasury operations.
Wealth Management Investment and wealth management services provided through partnership with LPL Financial.
Mortgage Home purchase financing with competitive rates, including fixed-rate mortgages, construction loans, FHA, VA, and USDA programs.
Home Equity Loan A lump-sum loan using home equity as collateral for home improvements, debt consolidation, or other major purchases.
Home Equity Line of Credit (HELOC) A revolving credit line secured by home equity, providing flexible access to funds as needed.
Mortgage Refinance Refinancing options to help homeowners replace existing mortgages with new loans under different terms.
Personal Loans Unsecured loans for personal use, including auto financing and other major purchases.
Transferencias Internacionales International wire transfer service enabling customers to send money to Argentina, Brazil, Chile, Colombia, Costa Rica, Dominican Republic, Ecuador, El Salvador, Guatemala, Honduras, Mexico, and Peru.

Companies that use First National Bank of Bastrop

Customer profile

Named customers4 records

Segments4 records

Ideal customer profiles4 records

First National Bank of Bastrop technology and API

Technology

Technology focussed No

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

First National Bank of Bastrop partnerships and signals

Strategic signal

Partnerships

Two partnerships are on record, tiered core.

LPL FinancialcoreStrategic or Co-development PartnerWealth management services partnership through LPL Financial providing investment services, financial planning, and wealth management solutions to bank customers. FNB hosts LPL Financial advisors to serve customer investment needs.
FDICcoreOthersFederal Deposit Insurance Corporation providing deposit insurance backing customer deposits up to FDIC limits with full faith and credit of the U.S. Government.

Scale indicators2 records

Recent moves4 records

Expansion highlights5 records

First National Bank of Bastrop competitors and assessment

Company assessment

Broad incumbents

Cadence Bank: Regional bank with Texas presence offering consumer, commercial, and wealth services. Comparable along community/commercial banking lines, though larger and multi-state.
Frost Bank: Texas-headquartered regional bank with broad consumer, business, and wealth services. Comparable as a Texas-based deposit-and-lending franchise competing for the same SMB and consumer customers, though materially larger and more diversified.
International Bank of Commerce (IBOC): Texas-based bank holding company operating IBC Bank branches with strong cross-border and Hispanic-market banking services. Comparable in Texas community-bank franchise and Latin America remittance exposure, but at much larger scale.
Texas Capital Bank: Texas-focused commercial bank with significant business and treasury management capabilities. Comparable as a Texas-based business banking competitor, particularly for SMB treasury services.

Others

LPL Financial: Independent broker-dealer and RIA partner that supplies the wealth management platform hosted inside FNB Bastrop. Comparable as the strategic wealth-services enabler behind the bank's investment offering.

Direct peers

Southside Bank: Independent Texas community bank with multi-branch footprint offering personal, business, and mortgage lending. Comparable as a privately held Texas community bank of similar size and product mix.
VeraBank: Independent Texas community bank with branches across Central and East Texas. Directly comparable as a privately held community bank of similar scale serving Texas small towns and SMBs.
Broadway Bank: San Antonio-based independent community bank offering personal, business, and wealth services across multiple branches. Closely comparable in scale, community-bank positioning, and Texas regional concentration.
First United Bank (formerly Happy State Bank): Texas and Oklahoma community bank offering personal, business, and agricultural lending. Closely comparable as an independent community bank with multi-branch Texas footprint and ag/commercial lending focus.
Allegiance Bank: Houston-based community bank focused on SMB and commercial banking. Comparable as a Texas community bank targeting similar small business and consumer lending segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

First National Bank of Bastrop financial estimates

Financial estimate

Revenue estimate

Valuation estimate

First National Bank of Bastrop leadership team

Management profile

Number of profiles

First National Bank of Bastrop funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

First National Bank of Bastrop M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about First National Bank of Bastrop

What does First National Bank of Bastrop do?

Is First National Bank of Bastrop a public or private company?

First National Bank of Bastrop is a private company. It is classified as unknown and is currently operating.

When was First National Bank of Bastrop founded?

First National Bank of Bastrop was founded in 1889. It employs 101 to 250 people.

Where is First National Bank of Bastrop based?

First National Bank of Bastrop is headquartered in Bastrop, United States, in the North America region.

How does First National Bank of Bastrop make money?

Five revenue lines are on record. Interest Income is the primary driver. The others are deposit Account Fees, business Banking Services, international Transfer Fees and wealth Management Services.

Who are First National Bank of Bastrop's main competitors?

Broad incumbents on record are Cadence Bank, Frost Bank, International Bank of Commerce (IBOC) and Texas Capital Bank. LPL Financial is listed as an others. Direct peers are Southside Bank, VeraBank, Broadway Bank, First United Bank (formerly Happy State Bank) and Allegiance Bank.

Does First National Bank of Bastrop have an API?

No public API is recorded for First National Bank of Bastrop.