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First National Bank of Central Texas

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
1.51%5-year CD60 Month CD
0.60%1-year CD12 Month CD
0.25%SavingsFirst Savings

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

First National Bank of Central Texas is headquartered in Waco and is the 77th largest bank in the state of Texas. It is also the 973rd largest bank in the nation. It was established in 1901 and as of March of 2017, it had grown to 94 employees at 5 locations. First National Bank of Central Texas' money market rates are 14% higher than the national average, and it has an A health rating.

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Health

Health Grade Components

Overall
FDIC Certificate #3325
Year Established1901
Employees94
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD2.07%
Return on Equity - YTD22.32%
Annual Interest Income$7.8MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$771.3MM$754.7MM
LoansQ1 2017vs Q1 2016$640.7MM$584.4MM
DepositsQ1 2017vs Q1 2016$680.6MM$671.0MM
Equity CapitalQ1 2017vs Q1 2016$72.1MM$70.4MM
Loan Loss AllowanceQ1 2017vs Q1 2016$7.1MM$6.5MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$3.4MM$2.3MM
Real Estate OwnedQ1 2017vs Q1 2016$453.00K$0
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
0.60%*$100k*-Giving Back Money Market Account
OTHER TIERS: 0.25% Up to $25k | 0.35% $25k - $100k
0.50%*$100k*-First Investment Checking
OTHER TIERS: 0.15% Up to $25k | 0.25% $25k - $100k
0.15%$1,500-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
1.51%$1k-60 Month CD
1.01%$1k-36 Month CD
0.80%$1k-24 Month CD
0.60%$1k-12 Month CD
0.60%$1k-12 Month Giving Back CD
0.40%$1k-6 Month CD
0.40%$1k-6 Month Giving Back CD
0.30%$1k-3 Month CD
0.30%$1k-3 Month Giving Back CD
0.25%$1k-1 Month CD

First National Bank of Central Texas IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%$1k-60 Month IRA
1.01%$1k-36 Month IRA
0.80%$1k-24 Month IRA
0.60%$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