Do you have governmental financing needs? First National Bank has solutions.

Who we are:

We are a community bank established in Wichita Falls in 1986 with a rich history of banking built on relationships. We are a 5-Star Rated bank with an asset size of almost $1 billion. We provide banking solutions including personalized lease purchase finance services for taxing authorities. Our customers include cities, counties, school districts, water districts, hospital districts, and more. With many years of experience working with taxing authorities and government entities, we know how to get deals done.

States we service:

Texas, Oklahoma, Arkansas, Kansas, and Colorado

What we do best:

Personalized service from an experienced staff who are in the field visiting customers like you to better understand your needs. We apply our expertise in governmental finance to tailor-fit a financial plan to assist you throughout the budgetary and acquisition process.

Municipal finance programs are not considered debt.

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  • What are the benefits of tax-exempt financing?
    • Low Cost, Tax-Exempt Capital
    • Flexible Repayment Terms
    • Maximizes Budgeted Funds
    • Cost of Use vs. Cost of Ownership
    • Convenience
    • Ability to purchase what you need when you need it
  • What is a tax-exempt contract?
    • A tax-exempt contract allows a taxing authority customer to purchase items they need to operate and make periodic payments over the useful life of the asset
    • Included as a line item in the budget and treated as a lease (not debt) under applicable state law
    • Interest rates are lower than commercial rates due to tax exemption
    • Installment payments are subject to annual appropriations
    • Voter referendum is not required
  • What does First National Bank finance?
    • Law Enforcement Vehicles and equipment
    • City and County Vehicles
    • Fire Trucks (all types)
    • Ambulances and Medical Response Vehicles
    • School Buses and District Vehicles
    • Heavy Equipment (all types of road equipment): Skid Steers, Back Hoes, Mowers, Attachments, Wheel Loaders, Bulldozers, Excavators, Motor Graders, Rollers, Asphalt Zippers, Oil Distributors and more…
    • Landfill Equipment (all types)
    • Semi-Trucks: Haul Trucks, Water Trucks, Dump Trucks and more
    • Trailers: Dump Trailers, Equipment Trailers and more
    • Cars, Vans, SUV’s and Pickup Trucks plus all equipment to complete vehicles

    *If you need it, we can finance it!

At First National Bank Leasing we understand how valuable your time is. 
When budget constraints or disasters strike, we will always be here for you.

Actual rates, term, down payment, advance and program eligibility will be determined by First National Bank’s credit team.  Tax exemption rates are subject to IRS rules.