2. First National Bank of Central Texas

First National Bank of Central Texas

Popular Accounts at this Bank

APYACCOUNT TYPEHOW THEY COMPARE
1.76%5-year CD
2.27% - National Average
0.90%1-year CD
1.38% - National Average
0.25%Savings
0.26% - National Average
View all First National Bank of Central Texas rates »

Overview / Commentary
www.fnbct.com
254-772-9330
1835 North Valley Mills Drive
Waco, TX 76712

First National Bank of Central Texas is headquartered in Waco and is the 74th largest bank in the state of Texas. It is also the 915th largest bank in the nation. It was established in 1901 and as of December of 2018, it had grown to 93 employees at 5 locations. First National Bank of Central Texas' money market rates are 70% higher than the national average, and it has an A health rating.

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Health
A

Data as of Q4 2018

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #3325
Year Established1901
Employees93
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD2.17%
Return on Equity - YTD23.78%
Annual Interest Income$37.0MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$851.9MM$828.7MM
LoansQ4 2018vs Q4 2017$716.4MM$668.5MM
DepositsQ4 2018vs Q4 2017$755.3MM$739.9MM
Equity CapitalQ4 2018vs Q4 2017$82.0MM$76.3MM
Loan Loss AllowanceQ4 2018vs Q4 2017$8.2MM$7.4MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$341.00K$914.00K
Real Estate OwnedQ4 2018vs Q4 2017$23.00K$23.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First National Bank of Central Texas Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%--First Savings

First National Bank of Central Texas Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*$100k*-First Investment Checking
OTHER TIERS: 0.40% → Up to $25k | 0.50% → $25k - $100k
0.75%*$25k*-First Treasury Money Market
OTHER TIERS: 0.60% → Up to $25k
0.60%*$100k*-Giving Back Money Market Account
OTHER TIERS: 0.25% → Up to $25k | 0.35% → $25k - $100k
0.40%$1.5k-First Money Market Checking

First National Bank of Central Texas Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%--First Interest Checking
0.15%--First Prime Checking

First National Bank of Central Texas CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.76%$1k-60 Month CD
1.56%$1k-36 Month CD
1.26%$1k-24 Month CD
0.90%$1k-12 Month CD
0.60%$1k-12 Month Giving Back CD
0.55%$1k-6 Month CD
0.45%$1k-3 Month CD
0.40%$1k-1 Month CD
0.40%$1k-6 Month Giving Back CD
0.30%$1k-3 Month Giving Back CD

First National Bank of Central Texas IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.76%$1k-60 Month IRA
1.56%$1k-36 Month IRA
1.26%$1k-24 Month IRA
0.90%$1k-12 Month IRA
Locations


First National Bank of Central Texas Locations
China Spring Branch10332 China Spring RoadWaco, TX 76708
First National Bank Of Central Texas1835 North Valley Mills DriveWaco, TX 76712
Hillsboro Branch300 ElmHillsboro, TX 76645
Mart Branch501 Texas AvenueMart, TX 76664
Woodway-Hewitt Branch7500 W. Woodway DriveWaco, TX 76712

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