First National Bank of Central Texas

Overview | Receive alerts for this bank

LOCATIONS

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.51%	5-year CD	60 Month CD 1.85% - Synchrony Bank 60 Month CD
0.60%	1-year CD	12 Month CD 1.05% - Ally Bank High Yield 12-Month CD
0.25%	Savings	First Savings 1.00% - Ally Bank Online Savings Account

View all First National Bank of Central Texas rates »

Overview / Commentary

www.fnbct.com

254-772-9330

1835 North Valley Mills Drive
Waco, TX 76712

First National Bank of Central Texas is headquartered in Waco and is the 77^th largest bank in the state of Texas. It is also the 992^nd largest bank in the nation. It was established in 1901 and as of June of 2016, it had grown to 99 employees at 5 locations. First National Bank of Central Texas' money market rates are 14% higher than the national average, and it has a B+ health rating.

Reviews

Write a Review

No reviews have been left for this bank yet. Be the first to review.

Health

B+

Data as of Q2 2016

Learn more about bank health

Health Grade Components

Overall
FDIC Certificate #	3325
Year Established	1901
Employees	99
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.96%
Return on Equity - YTD	21.59%
Annual Interest Income	$14.8MM

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$735.5MM$770.0MM
Loans	Q2 2016vs Q2 2015	$596.3MM$542.6MM
Deposits	Q2 2016vs Q2 2015	$654.1MM$695.2MM
Equity Capital	Q2 2016vs Q2 2015	$67.4MM$62.0MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$6.8MM$6.6MM
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$1.9MM$3.4MM
Real Estate Owned	Q2 2016vs Q2 2015	$0$19.00K

Rates

Skip to rates for:

Savings
Money Market
Checking
CD
IRA

Report an Issue

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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	-	-	First Savings

First National Bank of Central Texas Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%	-	-	First Interest Checking
0.15%	-	-	First Prime Checking

First National Bank of Central Texas CD Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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 Branch	10332 China Spring Road	Waco, TX 76708
First National Bank Of Central Texas	1835 North Valley Mills Drive	Waco, TX 76712
Hillsboro Branch	300 Elm	Hillsboro, TX 76645
Mart Branch	501 Texas Avenue	Mart, TX 76664
Woodway-Hewitt Branch	7500 W. Woodway Drive	Waco, TX 76712