First National Bank of Huntsville
First National Bank of Huntsville is a privately held Texas community bank founded in 1890, operating six branches across five East Texas counties and serving individual consumers and small-to-medium businesses with deposits, consumer and commercial lending, mortgages, and trust services.
- Company typePrivate
- Founded1890
- HeadquartersHuntsville, United States
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What First National Bank of Huntsville does
First National Bank of Huntsville is a privately held community bank founded in 1890 as Gibbs National Bank and headquartered at 1300 11th Street in Huntsville, Texas. The bank operates six branch locations across five contiguous East Texas counties (Walker, Houston, Madison, Robertson, Brazos) under a multi-divisional structure comprising the core FNBH brand plus Crockett Bank, The Bank of Madisonville, Robertson County Bank, and Brazos County Bank. It serves individual consumers and small-to-medium businesses with a full suite of deposit products (Score!, Star, Star e-, Gold Star, and commercial checking tiers; money market and savings accounts; IRAs and CDs), consumer and commercial lending (auto, boat, RV, home equity, agricultural, SBA, and commercial real estate), residential mortgages, and trust and estate services delivered through a Trust Department with 50+ years of operation.
The bank's technology stack is standard community-bank digital infrastructure: free online banking, iOS and Android mobile apps, mobile deposit, bill pay, Zelle peer-to-peer payments, MyCardRules debit card controls, and an extensive suite of third-party-integrated financial calculators. Distribution is anchored by physical branches with drive-thru and ATM services, supplemented by 24/7 telephone banking. The bank is FDIC-insured, designated an Equal Housing Lender, and operates as a national bank; it holds no patents, has raised no external funding, and discloses no AI or machine-learning capabilities.
Revenue is generated primarily through net interest income on its loan portfolio (consumer, mortgage, agricultural, commercial, and commercial real estate) augmented by deposit account fees (including a $28 per-item overdraft fee), wire transfer charges, safe deposit box rentals, debit card interchange, and trust/wealth management professional fees. The bank markets through its website, financial education content, cybersecurity resources, and organic social media (Facebook, Instagram, Twitter, LinkedIn), leveraging its 130+ year history, local ownership, and Reader's Choice Best Bank 2025 community recognition as key positioning assets.
First National Bank of Huntsville firmographics
Firmographics- Name
- First National Bank of Huntsville
- Legal name
- First National Bank of Huntsville
- Website
- https://fnbhuntsvilletx.bank
- Company type
- Private
- Founded year
- 1890
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- First National Bank of Huntsville is a privately held Texas community bank founded in 1890, operating six branches across five East Texas counties and serving individual consumers and small-to-medium businesses with deposits, consumer and commercial lending, mortgages, and trust services.
- Ownership category
- akta.pro rank
First National Bank of Huntsville industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211), Depository Credit Intermediation (5221)
- SIC
- National Commercial Banks (6021)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industry
- Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)
Keywords
Where First National Bank of Huntsville is headquartered
LocationHeadquarters
- HQ city
- Huntsville
- HQ country
- United States
- HQ region
- North America
Offices6 records
Markets served
First National Bank of Huntsville 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 - Consumer Loans: Interest earned on consumer lending products including auto loans, boat loans, mobile home loans, RV loans, personal loans, home loans, home equity loans, and farm/ranch land loans
- Interest Income - Commercial Loans: Interest earned on commercial lending products including agricultural loans, inventory loans, working capital loans, equipment loans, SBA lending, and commercial real estate loans
- Deposit Account Fees: Monthly maintenance fees, overdraft fees ($28 per item), and other account-related service charges from personal and business checking, savings, and money market accounts
- Trust and Financial Services: Revenue from trust department services including estate administration, guardianship accounts, retirement plan management, agency accounts, and investment services
- Wire Transfer Services: Fees for wire transfer services for domestic and international money transfers
- Safe Deposit Boxes: Rental fees for safe deposit boxes with various sizes available; discounts for qualifying accounts
- Credit Card Rewards Cash Back: Earn up to 1% cash back on debit card purchases through CardCash program
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Score! Checking - Full service checking with extras |
| Subscription | Monthly | Star Checking - Interest-earning checking |
| Subscription | Monthly | Star e-Checking - Digital-focused checking |
| Subscription | Monthly | Gold Star Checking - Senior checking (55+) |
| Subscription | Monthly | Basic Commercial Checking |
| Subscription | Monthly | Commercial Checking |
| Subscription | Monthly | Commercial NOW Checking - Interest-earning business checking |
| Subscription | Monthly | Commercial First Rate Money Market |
| Subscription | Monthly | Business Savings |
| Subscription | Pay-as-you-go | Certificates of Deposit (CDs) |
| Subscription | Monthly | Preferred Rate Money Market (Personal) |
| Subscription | Monthly | Classic Savings |
| Subscription | Annual | Individual Retirement Accounts (IRAs) |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels7 records
First National Bank of Huntsville product offering
Product offeringCore offering
First National Bank of Huntsville is a Southeast Texas community bank providing deposit products (checking, savings, money market, CDs, IRAs), consumer and commercial lending, residential mortgages, commercial real estate loans, and trust & estate services. The bank serves both individuals and businesses across six branches in five counties (Huntsville, Madisonville, Bryan/College Station area, Conroe, Willis, and Cleveland) and complements in-branch service with online and mobile banking.
Product overview
First National Bank of Huntsville is a community bank headquartered in Huntsville, Texas, offering a comprehensive suite of personal and business banking products through a multi-divisional structure. The bank operates the core FNBH brand plus four divisions: Crockett Bank, The Bank of Madisonville, Robertson County Bank, and Brazos County Bank. Personal banking includes Score! Checking, Star Checking, Star e-Checking, and Gold Star Checking accounts, along with Preferred Rate Money Market and Classic Savings accounts, Traditional and Roth IRAs, and Certificates of Deposit. Lending products span consumer loans (auto, boat, RV, personal), real estate loans (home purchase, construction, refinance, home equity), and commercial loans (agricultural, equipment, SBA, commercial real estate). Trust and Estate Services offer trusts, estate administration, guardianship, and retirement plan management. Digital banking capabilities include free online banking, mobile banking with mobile deposit, bill pay, Zelle peer-to-peer payments, and MyCardRules debit card controls. Financial tools include an extensive suite of financial calculators for loans, mortgages, retirement, savings, and tax planning.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- Reader's Choice Best Bank 2025 - voted by customers and community members
Companies that use First National Bank of Huntsville
Customer profileSegments4 records
Ideal customer profiles4 records
First National Bank of Huntsville technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration9 records
Feature4 records
First National Bank of Huntsville partnerships and signals
Strategic signalScale indicators5 records
Recent moves10 records
Expansion highlights4 records
First National Bank of Huntsville competitors and assessment
Company assessmentBroad incumbents
- Independent Bank Group: Texas and broader US community bank holding company with consumer, commercial, and mortgage products. Broader geographic footprint but highly similar product offering and customer base to FNBH.
- Cadence Bank: Texas/Southeast regional bank offering consumer, commercial, and wealth services. Overlaps with FNBH in consumer/commercial banking and trust services across Texas.
- Southside Bancshares: Texas-based bank holding company with community banking operations. Comparable in consumer/commercial product scope and regional Texas orientation, though significantly larger.
- Texas Capital Bank: Texas-headquartered commercial bank with strong presence in Houston, Dallas, Austin, and San Antonio. Overlaps with FNBH on commercial lending and treasury management products but at much larger scale.
- Pinnacle Financial Partners: Multi-state community-oriented bank with strong commercial banking, mortgage, and wealth services. Comparable community-bank brand positioning with broader geographic reach.
- Frost Bank: Large Texas-based banking franchise with extensive consumer, commercial, and wealth/trust services across the state. Competes in the same geographies and product categories but at substantially larger scale.
Direct peers
- VeraBank: Texas community bank with a multi-county East/Southeast Texas branch footprint, comparable consumer and commercial lending products, and similar community-bank positioning. Directly comparable in scale, business model, and geographic strategy.
- Citizens State Bank (Texas): Independent Texas community bank offering consumer and commercial banking, mortgages, and trust services with a small-town, multi-county footprint. Closely comparable product mix and customer segments.
Regional players
- First United Bank (Texas/Oklahoma): Community bank with Texas and Oklahoma presence offering consumer, commercial, and trust services. Similar community-bank model and product set, with a partial Texas geographic overlap.
Others
- JM Bullion / GoldStar Trust: Specialty IRA custodian and trust services provider. Not a direct competitor but an adjacent/ecosystem participant in the self-directed IRA segment that FNBH's IRA offering overlaps with.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
First National Bank of Huntsville social profiles
Digital presenceFirst National Bank of Huntsville compliance and trust
Trust signalCompliance2 records
First National Bank of Huntsville financial estimates
Financial estimateRevenue estimate
Valuation estimate
First National Bank of Huntsville leadership team
Management profileNumber of profiles
Profiles12 records
First National Bank of Huntsville subsidiaries and ownership
Company hierarchySubsidiaries4 records
First National Bank of Huntsville funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
First National Bank of Huntsville M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about First National Bank of Huntsville
What does First National Bank of Huntsville do?
First National Bank of Huntsville is a Southeast Texas community bank providing deposit products (checking, savings, money market, CDs, IRAs), consumer and commercial lending, residential mortgages, commercial real estate loans, and trust & estate services. The bank serves both individuals and businesses across six branches in five counties (Huntsville, Madisonville, Bryan/College Station area, Conroe, Willis, and Cleveland) and complements in-branch service with online and mobile banking.
Is First National Bank of Huntsville a public or private company?
First National Bank of Huntsville is a private company. It is classified as unknown and is currently operating.
When was First National Bank of Huntsville founded?
First National Bank of Huntsville was founded in 1890. It employs 51 to 100 people.
Where is First National Bank of Huntsville based?
First National Bank of Huntsville is headquartered in Huntsville, United States, in the North America region.
How does First National Bank of Huntsville make money?
Seven revenue lines are on record. Interest Income - Consumer Loans are the primary driver. The others are interest Income - Commercial Loans, deposit Account Fees, trust and Financial Services, wire Transfer Services, safe Deposit Boxes and credit Card Rewards Cash Back.
Who are First National Bank of Huntsville's main competitors?
Broad incumbents on record are Independent Bank Group, Cadence Bank, Southside Bancshares, Texas Capital Bank, Pinnacle Financial Partners and Frost Bank. Direct peers are VeraBank and Citizens State Bank (Texas). First United Bank (Texas/Oklahoma) is listed as a regional player. JM Bullion / GoldStar Trust is listed as an others.
Does First National Bank of Huntsville have an API?
No public API is recorded for First National Bank of Huntsville.
What industry is First National Bank of Huntsville in?
First National Bank of Huntsville's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABAAAI, Small Business Banking (Microbusiness/Sole Proprietor). Its NAICS code is 52211 and its SIC code is 6021.