First National Bank of Central Texas

Overview / Commentary
1835 North Valley Mills Drive
Waco, TX 76712

First National Bank of Central Texas is headquartered in Waco and is the 76th largest bank in the state of Texas. It is also the 955th largest bank in the nation. It was established in 1901 and as of June of 2019, it had grown to 92 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 - YTD2.51%
Return on Equity - YTD25.38%
Annual Interest Income$19.4MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$829.1MM$855.8MM
LoansQ2 2019vs Q2 2018$723.2MM$707.6MM
DepositsQ2 2019vs Q2 2018$728.8MM$765.1MM
Equity CapitalQ2 2019vs Q2 2018$84.1MM$76.2MM
Loan Loss AllowanceQ2 2019vs Q2 2018$8.5MM$7.6MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$231.00K$753.00K
Real Estate OwnedQ2 2019vs Q2 2018$0$405.00K

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 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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