First National Bank of Central Texas

Overview / Commentary
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 has an A health rating.


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Health Grade Components

FDIC Certificate #3325
Year Established1901
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 for First National Bank of Central Texas are currently being reviewed.


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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