First National Bank of Central Texas

Overview / Commentary

www.fnbct.com

254-772-9330

1835 North Valley Mills Drive
Waco, TX 76710

First National Bank of Central Texas is headquartered in Waco and is the 75^th largest bank in the state of Texas. It is also the 916^th largest bank in the nation. It was established in 1901 and as of December of 2019, it had grown to 94 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.

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Health

B+

Data as of Q4 2019

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Health Grade Components

Overall
FDIC Certificate #	3325
Year Established	1901
Employees	94
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.28%
Return on Equity - YTD	12.94%
Annual Interest Income	$39.4MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$878.3MM$851.7MM
Loans	Q4 2019vs Q4 2018	$740.1MM$716.3MM
Deposits	Q4 2019vs Q4 2018	$776.5MM$755.3MM
Equity Capital	Q4 2019vs Q4 2018	$85.3MM$81.9MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$8.8MM$8.2MM
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$9.3MM$341.00K
Real Estate Owned	Q4 2019vs Q4 2018	$0$23.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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* 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
0.15%	-	-	First Savings

First National Bank of Central Texas Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%^*	$25k^*	-	Giving Back Money Market Account (Non-Profit)
OTHER TIERS: 0.60% → Up to $25k
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%	$1.5k	-	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
1.26%	$1k	-	36 Month CD
1.26%	$1k	-	12 Month Giving Back CD (Non-Profit)
1.01%	$1k	-	24 Month CD
0.75%	$1k	-	12 Month CD
0.55%	$1k	-	6 Month Giving Back CD (Non-Profit)
0.45%	$1k	-	6 Month CD
0.45%	$1k	-	3 Month Giving Back CD (Non-Profit)
0.35%	$1k	-	3 Month CD
0.30%	$1k	-	1 Month CD

First National Bank of Central Texas IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.51%	$1k	-	60 Month IRA
1.26%	$1k	-	36 Month IRA
1.01%	$1k	-	24 Month IRA
0.75%	$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

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