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 72nd largest bank in the state of Texas. It is also the 774th largest bank in the nation. It was established in 1901 and as of June of 2022, it had grown to 96 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 - YTD1.86%
Return on Equity - YTD23.76%
Annual Interest Income$22.4MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$1.32B$1.16B
LoansQ2 2022vs Q2 2021$962.2MM$822.6MM
DepositsQ2 2022vs Q2 2021$1.20B$1.04B
Equity CapitalQ2 2022vs Q2 2021$96.8MM$100.5MM
Loan Loss AllowanceQ2 2022vs Q2 2021$10.9MM$9.3MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$399.00K$541.00K
Real Estate OwnedQ2 2022vs Q2 2021$0$5.5MM

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 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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