First National Bank of Dublin

What First National Bank of Dublin does

First National Bank of Dublin is an independent, privately held community bank chartered on May 7, 1985, and headquartered in Dublin, Texas. The bank operates three branches serving Erath and Comanche counties through locations in Dublin, DeLeon, and Gustine. It is owned and governed by the Leatherwood family, whose involvement in the region's banking sector extends back to the early 1900s through predecessor institutions, including First State Bank of Gustine (acquired 1954) and the 1997 merger with First State Bank of Deleon. Leadership includes Chairman Pat Leatherwood, Vice-Chairman Andrew Kinser, and President Terry Miller at the Dublin branch, with branch presidents and officers at DeLeon and Gustine.

The bank provides a full suite of retail and commercial banking products. Personal banking includes four checking account tiers (First Edition for ages 55+, First Preferred, NOW Checking at $1,000 minimum, Money Market Checking at $2,500 minimum), savings accounts, IRAs, certificates of deposit with $1,000 minimums, consumer loans (auto, vacation, boat, motorcycle), Visa Check Cards, safe deposit boxes starting at $10 per year, overdraft protection, and TeleBank 24-hour phone service. Business banking offerings include business checking ($100 to open, $1,500 minimum balance, $10 monthly service charge below threshold), commercial savings, business CDs, commercial loans covering real estate, agriculture, equipment, inventory, and lines of credit, and a MasterCard Business Preferred Points Card. Digital channels are delivered through third-party platforms (Apiture gateway, FundsXpress), providing online banking, e-statements, online bill pay, and check imaging with SSL encryption and multi-level authentication including encrypted session cookies expiring after 10 minutes of inactivity. No proprietary technology, AI capabilities, or developer-facing APIs are documented.

First National Bank of Dublin generates revenue primarily through net interest income on its loan portfolio (consumer, commercial, agricultural, real estate, lines of credit) supplemented by service charges on deposit accounts below minimum balances, safe deposit box rental fees, interchange income on Visa Check Cards, and rewards-program economics on its MasterCard business credit card. The go-to-market model is a traditional sales-led community banking approach where local lending officers originate and underwrite loans in-house, enabling quick local decision-making for small businesses, farmers, and individual consumers. Customer acquisition relies on branch presence, local referrals, community partnerships (Dublin Chamber of Commerce, Dublin ISD, local municipalities), and the corporate website rather than digital marketing or paid acquisition channels. Pricing is quote-based and varies by product and customer qualifications rather than being publicly standardized.

Name

First National Bank of Dublin

Legal name

First National Bank of Dublin

Website

https://bankingfnb.com

Company type

Private

Founded year

1985

Operating status

Operating

Headcount range

11–50 employees

Short description

First National Bank of Dublin is a privately held community bank serving Erath and Comanche counties in Texas through three branches in Dublin, DeLeon, and Gustine, offering personal and business banking, consumer and commercial loans, and digital banking to individuals, small businesses, and agricultural customers.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industry

Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE)

Keywords

• Community banking services
• Consumer lending products
• Commercial loan services
• Agricultural lending solutions
• Personal deposit accounts

Headquarters

HQ city

Dublin

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Loans: The bank generates revenue through interest earned on various loan products including consumer loans, new and used car loans, commercial loans, agricultural loans, real estate loans, and lines of credit. Interest rates are set based on loan type and customer qualifications.
2. Service Charges and Fees: Monthly service charges apply to accounts that fall below minimum balance requirements. The bank charges $10 per month for business checking accounts below the $1,500 minimum balance. Additional fees may apply for various banking services.
3. Safe Deposit Box Rental: Annual rental fees for safe deposit boxes starting at $10 per year, offering customers secure storage for documents, jewelry, and other valuables with unlimited access during lobby banking hours.
4. Consumer Loan Origination: Revenue generated from originating consumer loans including auto loans, vacation loans, boat loans, and motorcycle loans with competitive rates and quick local decision-making.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels3 records

Core offering

First National Bank of Dublin is an independent community bank providing personal and business banking services through three branch locations in Dublin, DeLeon, and Gustine, Texas. Core offerings include personal checking, savings, IRAs, and CDs; consumer loans for autos, boats, vacations, and motorcycles; business checking, commercial savings, and CDs; commercial loans for buildings, real estate, agricultural operations, equipment, inventory, and lines of credit; debit and credit cards; safe deposit boxes; and digital access via online banking, e-statements, online bill pay, and TeleBank phone banking.

Product overview

First National Bank of Dublin offers a unified banking platform with three branch locations in Dublin, DeLeon, and Gustine, Texas. The product portfolio spans personal banking (checking accounts, savings, IRAs, consumer loans, Visa check cards), business banking (commercial checking, savings, CDs, business loans, MasterCard business credit cards), and digital banking services (online banking, E-statements, online bill pay). Consumer lending includes auto, vacation, boat, and motorcycle loans. Business lending covers real estate, agriculture, equipment, and lines of credit. All core services are integrated through the bank's online banking platform with 24/7 access via internet, phone (TeleBank), and debit cards.

Differentiator

Problem solved

Functional benefit

Products and services

• First Edition Checking Free personal checking account for customers age 55 and older, offering complimentary checks, money orders, and cashier checks.
• First Preferred Checking Premium personal checking package designed for families that offers savings on various banking products.
• NOW Checking Interest-bearing personal checking account allowing unlimited check-writing with a $1,000 minimum balance requirement.
• Money Market Checking Interest-bearing account designed to maximize earnings while retaining limited check-writing ability, requiring a $2,500 balance.
• Personal Savings Account Interest-bearing personal savings account providing accessibility to funds while earning interest on deposits.
• Individual Retirement Account (IRA) Tax-advantaged retirement savings account with options for tax-deductible contributions and withdrawals.
• Certificate of Deposit (Personal) Personal certificate of deposit requiring a $1,000 minimum initial deposit with various term options and competitive rates, with IRA accounts available offering potentially tax-deductible contributions.
• Consumer Loans Personal loans for consumer needs including new and used car loans, vacation loans, boat loans, and motorcycle loans, with competitive rates and quick local decision-making.
• Visa Check Card Debit card providing 24/7 access to checking and savings accounts for ATM withdrawals and point-of-sale purchases, accepted worldwide.
• Overdraft Protection Automatic transfer service that moves funds from a linked savings account to a checking account to cover overdrafts, charged with no interest.
• TeleBank Phone Banking 24-hour telephone banking service providing account information, fund transfers, and loan payment capabilities across Dublin, DeLeon, and Gustine numbers.
• Safe Deposit Boxes Secure storage service for documents, jewelry, and other valuables with unlimited access during lobby banking hours, with annual rental starting at $10 per year; contents not FDIC insured.
• Business Checking Account Business checking account with free internet banking, check imaging, and monthly statements; $100 to open, requires $1,500 minimum balance and charges $10 per month for balances below the minimum.
• Commercial Savings Account Flexible business savings account that earns interest on all deposits while allowing convenient access to funds.
• Certificate of Deposit (Business) Business certificate of deposit requiring a $1,000 minimum to open, with a wide range of term options available.
• Business Loans Commercial loans for buildings, real estate, vehicles, agriculture, equipment, inventory, accounts receivable, lines of credit, and letters of credit, underwritten locally.
• MasterCard Business Preferred Points Card Business credit card earning one point per dollar spent with flexible reward options including travel, cash back, merchandise, and gift cards, plus a 3,000-point sign-up bonus (1,000 points per month for the first 3 billing statements).
• Online Banking Free 24/7 internet banking platform allowing account access, fund transfers, check reordering, loan payments, and CD maturity checks through a secure web portal.
• E-Statements Paperless electronic statement delivery system that notifies customers via email when statements are available for online viewing or PDF access.
• Online Bill Pay Online bill payment service that lets customers pay any company or person in the United States, set up recurring payments, and track payment history.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Scale indicators3 records

Recent moves7 records

Expansion highlights3 records

Broad incumbents

• Prosperity Bancshares: Large Texas-headquartered community banking franchise with hundreds of branches across the state; a potential acquirer of community banks like FNB Dublin and a competitor for the same small-town deposit and lending relationships.
• Independent Bank Group: Texas-based community bank holding company operating branches across Texas and Colorado, offering similar personal, business, and ag lending products — comparable in product mix though significantly larger than FNB Dublin.
• First United Bank: Multi-state community bank holding company with locations across Texas, Oklahoma, and Maryland — overlapping with FNB Dublin in rural Texas personal, business, and agricultural banking but operating at materially larger scale.

Direct peers

• Citizens National Bank of Texas: Texas community bank with branch presence in smaller markets, providing deposit, consumer, commercial, and agricultural lending products to rural and small-town customers comparable to FNB Dublin.
• Texas Bank and Trust Company: Independent Texas community bank serving East Texas markets with deposit accounts, consumer lending, and small-business banking — closely comparable in scope, scale, and customer profile.
• Happy State Bank (Happy Bancshares): Texas-based community bank holding company with a comparable footprint of branch locations across rural and small-town Texas markets, offering personal, business, and agricultural banking products similar to FNB Dublin.
• Mills County State Bank: Small Texas community bank headquartered in Goldthwaite, providing deposit accounts, consumer loans, and ag lending in a rural county setting — directly comparable in scale and operating model to FNB Dublin.
• First Bank & Trust East Texas: Independently owned community bank operating in rural East Texas, offering personal and business banking, consumer loans, and ag lending — closely comparable to FNB Dublin's product set and customer base.
• Legend Bank: Independent community bank serving north Texas with branches in smaller towns, offering deposit accounts, consumer lending, ag lending, and small-business banking — a close analog to FNB Dublin in scale, geography, and product mix.
• First State Bank Central Texas: Central Texas community bank with branches in small-town markets offering personal checking, savings, consumer, and commercial lending — directly analogous to FNB Dublin in rural Texas banking model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/FIRSTNATIONALBANKDUBLINDELEONGUSTINE
• LinkedInlinkedin.com/company/first-national-bank-of-dublin

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles17 records

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 First National Bank of Dublin