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 67th largest bank in the state of Texas. It is also the 704th largest bank in the nation. It was established in 1901 and as of September of 2023, it had grown to 104 employees at 7 locations. First National Bank of Central Texas has a B+ health rating.


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Health Grade Components

FDIC Certificate #3325
Year Established1901
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD2.38%
Return on Equity - YTD29.18%
Annual Interest Income$54.5MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$1.55B$1.35B
LoansQ3 2023vs Q3 2022$1.13B$1.01B
DepositsQ3 2023vs Q3 2022$1.25B$1.23B
Equity CapitalQ3 2023vs Q3 2022$126.7MM$97.4MM
Loan Loss AllowanceQ3 2023vs Q3 2022$14.2MM$11.6MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$2.6MM$3MM
Real Estate OwnedQ3 2023vs Q3 2022$0$0

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First National Bank of Central Texas Locations
China Spring Branch10332 China Spring RoadWaco, TX 76708
First National Bank Of Central Texas1835 N Valley Mills DrWaco, TX 76710
Hillsboro Branch300 ElmHillsboro, TX 76645
Mart Branch501 Texas AvenueMart, TX 76664
Woodway-Hewitt Branch7500 W. Woodway DriveWaco, TX 76712

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