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First National Bank of Central Texas


Overview / Commentary
www.fnbct.com
254-772-9330
1835 North Valley Mills Drive
Waco, TX 76710

First National Bank of Central Texas is headquartered in Waco and is the 75th largest bank in the state of Texas. It is also the 851st largest bank in the nation. It was established in 1901 and as of December of 2020, it had grown to 96 employees at 5 locations. First National Bank of Central Texas has an A health rating.

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Health
A

Data as of Q4 2020

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #3325
Year Established1901
Employees96
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.97%
Return on Equity - YTD21.81%
Annual Interest Income$38.6MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$1.12B$878.3MM
LoansQ4 2020vs Q4 2019$808.0MM$740.1MM
DepositsQ4 2020vs Q4 2019$998.6MM$776.5MM
Equity CapitalQ4 2020vs Q4 2019$97.4MM$85.3MM
Loan Loss AllowanceQ4 2020vs Q4 2019$9.2MM$8.8MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$5.3MM$9.3MM
Real Estate OwnedQ4 2020vs Q4 2019$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not First National Bank of Central Texas; we are a rate comparison website and cannot provide official rates or promotions.

* 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
0.05%--First Savings

First National Bank of Central Texas Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$25k*-Giving Back Money Market Account (Non-Profit)
OTHER TIERS: 0.25% → Up to $25k
0.30%*$25k*-First Treasury Money Market
OTHER TIERS: 0.15% → Up to $25k
0.25%*$100k*-First Investment Checking
OTHER TIERS: 0.10% → Up to $25k | 0.15% → $25k - $100k
0.10%$1.5k-First Money Market Checking

First National Bank of Central Texas Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--First Prime Checking
0.05%--First Interest Checking

First National Bank of Central Texas CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.91%$1k-60 Month CD
0.65%$1k-36 Month CD
0.55%$1k-24 Month CD
0.50%$1k-12 Month Giving Back CD (Non-Profit)
0.40%$1k-12 Month CD
0.25%$1k-6 Month Giving Back CD (Non-Profit)
0.20%$1k-6 Month CD
0.15%$1k-3 Month CD
0.15%$1k-3 Month Giving Back CD (Non-Profit)
0.10%$1k-1 Month CD

First National Bank of Central Texas IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.91%$1k-60 Month IRA
0.65%$1k-36 Month IRA
0.55%$1k-24 Month IRA
0.40%$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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