Fort Hood National Bank

What Fort Hood National Bank does

Fort Hood National Bank, now operating as First Heroes National Bank following a 2026 rebrand, is a privately held national bank chartered in Texas and headquartered in the Fort Hood area, with a 125-year operating history dating to 1901. The institution provides a full-stack community banking platform covering personal banking (checking, savings, CDs, youth/flex accounts, eAccount, Power Stash savings), consumer lending (auto, personal, RV, mortgage, home equity, credit builder), commercial banking (business checking, commercial loans, SBA loans, treasury management, merchant services via Deluxe), insurance through its subsidiary First Community Insurance Services, and Mastercard credit and debit cards. Its core technology layer is a Digital Banking Platform supporting online and mobile access with features including card controls, SMS text banking across multiple short codes, Zelle payments, mobile deposit, and overdraft protection mechanisms (AccountTRANSFER, Overdraft Privilege, One Day Rewind). Customer-facing platforms include mobile apps on iOS and Android, and an integrated Financial Fitness Center powered by Banzai content and GreenPath Financial Wellness counseling.

The business model is a traditional community bank deposit-funded lending franchise: net interest income from consumer and commercial loans is supplemented by transaction fees (overdraft, wire, ATM), deposit-account economics, and affiliate/referral commission revenue from insurance and partner programs such as TrueCar-powered auto buying. Pricing on deposit and lending products is broadly conventional — example auto loan at 4.39% simple interest / 4.43% APR over 66 months on $25,000 — with small-dollar installment loans (Smart Cash Loans $250–$1,500) addressing short-term military-community needs. Go-to-market is hybrid: branch-based relationship banking in central Texas (Fort Hood, Killeen, Temple, Waco, Austin), supported by a digital acquisition and self-service channel, plus sales-led commercial banking and a customer support call center. Target segments are primary military personnel and veterans (with specialized products like early military pay dates and BRS/TSP retirement planning), small business owners in the central Texas defense ecosystem, military families, and youth. Distribution advantages stem from physical proximity to Fort Hood and 125 years of military-community brand equity, with partnerships (GreenPath, TrueCar, Deluxe, BankOn/CFE Fund, ABA, Banzai) extending the offering without proprietary tech investment.

Name

Fort Hood National Bank

Legal name

First Heroes National Bank

Website

https://fhnb.com

Company type

Private

Founded year

1901

Operating status

Operating

Short description

First Heroes National Bank (formerly Fort Hood National Bank) is a privately held Texas community bank serving military personnel, veterans, families, and small businesses in central Texas with deposit accounts, consumer and commercial loans, insurance, and digital banking services.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Military & Veterans Credit Unions (FSABAEAI)

Keywords

• Community banking services
• Military banking solutions
• Consumer lending products
• Small business banking
• Personal deposit accounts

Headquarters

HQ city

Fort Worth

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Interest Income: Revenue from interest earned on loans including auto loans, mortgages, home equity loans, personal loans, commercial loans, and credit cards.
2. Banking Fees: Fees from overdraft services, account maintenance, ATM usage, wire transfers, and other banking services.
3. Deposit Accounts: Checking accounts, savings accounts, money market accounts, and CDs generating deposits for lending operations.
4. Insurance Services: Commission revenue from insurance products including auto, home, life, and business insurance through First Community Insurance Services.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Fort Hood National Bank (now operating as First Heroes National Bank) is a community bank providing deposit accounts, consumer and commercial loans, credit cards, insurance products, treasury management, and digital banking services. The bank specializes in serving military personnel, veterans, and their families in central Texas with products such as early-pay direct deposit, BankOn-certified eAccounts, and military-specific financial planning resources. It operates physical branches alongside online and mobile banking channels.

Product overview

First Heroes National Bank (formerly Fort Hood National Bank) offers a comprehensive banking platform providing personal, business, and commercial banking services. The core Digital Banking platform powers account access alongside a portfolio of deposit products (checking, savings, CDs, Power Stash), lending solutions (personal, auto, home equity, commercial loans), insurance products, and treasury management services. Add-on features include overdraft protection programs (AccountTRANSFER, Overdraft Privilege, One Day Rewind), Card Controls, and the Financial Fitness Center with educational resources and GreenPath partnership counseling. The bank serves military personnel and communities in Texas with products like the BankOn certified eAccount and specialized youth banking.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Auto loan borrowers save an average of $2,385 off MSRP through the TrueCar-powered Auto Buying Program
• +2 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core and minor.

• GreenPath Financial WellnesscoreStrategic or Co-development PartnerNon-profit financial counseling partnership providing free and low-cost financial education, debt coaching, housing services, and credit counseling. GreenPath counselors are NFCC-certified. Services include webinars, podcasts, and interactive coaching tools available through the Financial Fitness Center.
• TrueCarcoreTechnology or IntegrationAuto buying program partner providing discounted upfront pricing, market comparison data, and financing integration. New car buyers save average of $2,385 off MSRP through the TrueCar-powered program.
• DeluxeminorChannel Partner/ Reseller/ DistributorMerchant services partner providing payment processing solutions for retail, restaurants, e-commerce, churches, and non-profits.
• Cities for Financial Empowerment Fund (CFE Fund)coreStrategic or Co-development PartnerBankOn initiative certification partner. The eAccount is certified through BankOn, a national initiative ensuring everyone has access to safe and affordable banking accounts.
• American Bankers AssociationminorStrategic or Co-development PartnerFraud prevention education partnership providing Banks Never Ask That educational campaign content to help customers recognize and avoid scams.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Pentagon Federal Credit Union (PenFed): A large credit union serving military members, veterans, and their families nationwide — comparable to FHNB's military-customer focus and digital banking capabilities, particularly in deposit accounts, consumer lending, and credit cards.
• Service Credit Union: A military-affiliated credit union serving active-duty, retired, and National Guard members — comparable to FHNB's military-customer niche, with a similar community-bank style of personal service and proximity-based distribution.
• Navy Federal Credit Union: The largest credit union serving the U.S. military community, offering deposit, lending, and digital banking products across all branches of service — overlapping sharply with FHNB's target customers and product mix, though with vastly greater scale and geographic reach.
• USAA Federal Savings Bank: A military-focused financial services franchise offering deposit products, lending, and insurance — directly comparable to FHNB's military customer base and bundled insurance offering through First Community Insurance Services.
• First Command Bank: A military-focused financial institution serving service members and their families with deposit accounts, lending, and financial planning services — comparable to FHNB in segment focus and personal-relationship banking model.
• Armed Forces Bank: A military-focused, full-service community bank serving active-duty service members, retirees, and their families through on-installation branches and digital channels — directly comparable to FHNB's military-community niche and on-base service model.

Regional players

• Extraco Banks: A privately held Texas community bank providing consumer, commercial, and mortgage lending across central Texas markets — comparable to FHNB's central Texas footprint and privately held community-bank operating model.
• Security Service Federal Credit Union: A large Texas-headquartered credit union operating across multiple Texas markets including San Antonio — geographically comparable to FHNB's central Texas footprint with overlapping commercial and consumer banking products.
• Broadway Bank: A privately held San Antonio-based community bank serving Texas markets with deposit, lending, and digital banking services — comparable to FHNB's privately held community-bank profile and personal-service distribution model.

Broad incumbents

• Frost Bank: A large Texas-based regional bank offering comprehensive deposit, lending, treasury management, and digital banking services across Texas — a broad incumbent competitor in the same regional market as FHNB with greater scale and a fuller product set.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/fhnbtx
• YouTubeyoutube.com/@firstheroesnationalbank5510
• Facebookfacebook.com/FHNBTX
• LinkedInlinkedin.com/company/fhnb
• Instagraminstagram.com/fhnbtx

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Fort Hood National Bank