First National Bank of Central Texas

Overview / Commentary
1835 N. Valley Mills Dr.
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 853rd largest bank in the nation. It was established in 1901 and as of March of 2021, it had grown to 100 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 - YTD2.35%
Return on Equity - YTD26.88%
Annual Interest Income$9.3MM
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$1.16B$889.0MM
LoansQ1 2021vs Q1 2020$789.1MM$754.3MM
DepositsQ1 2021vs Q1 2020$1.04B$757.3MM
Equity CapitalQ1 2021vs Q1 2020$101.2MM$88.2MM
Loan Loss AllowanceQ1 2021vs Q1 2020$9.2MM$9.0MM
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$4.4MM$9.1MM
Real Estate OwnedQ1 2021vs Q1 2020$0$0

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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