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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 70th largest bank in the state of Texas. It is also the 889th largest bank in the nation. It was established in 1901 and as of March of 2018, it had grown to 92 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
Employees92
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD2.2%
Return on Equity - YTD24.14%
Annual Interest Income$8.7MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$856.2MM$771.3MM
LoansQ1 2018vs Q1 2017$701.6MM$640.7MM
DepositsQ1 2018vs Q1 2017$766.5MM$680.6MM
Equity CapitalQ1 2018vs Q1 2017$77.4MM$72.1MM
Loan Loss AllowanceQ1 2018vs Q1 2017$7.6MM$7.1MM
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$770.00K$3.4MM
Real Estate OwnedQ1 2018vs Q1 2017$23.00K$453.00K
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
0.25%--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
0.50%*$25k*-First Treasury Money Market
OTHER TIERS: 0.35% Up to $25k
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
1.76%$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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