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Overview / Commentary
254-772-9330
1835 North Valley Mills Drive
Waco, TX 76712

First National Bank of Central Texas is headquartered in Waco and is the 75th largest bank in the state of Texas. It is also the 920th largest bank in the nation. It was established in 1901 and as of December of 2017, it had grown to 91 employees at 5 locations. First National Bank of Central Texas' money market rates are 14% higher than the national average, and it boasts an A+ health rating.

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Health
A+

Health Grade Components

Overall
FDIC Certificate #3325
Year Established1901
Employees91
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD2.03%
Return on Equity - YTD22.17%
Annual Interest Income$32.5MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$828.7MM$761.7MM
LoansQ4 2017vs Q4 2016$668.5MM$638.4MM
DepositsQ4 2017vs Q4 2016$739.9MM$679.5MM
Equity CapitalQ4 2017vs Q4 2016$76.3MM$70.3MM
Loan Loss AllowanceQ4 2017vs Q4 2016$7.4MM$6.9MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$914.00K$2.6MM
Real Estate OwnedQ4 2017vs Q4 2016$23.00K$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%--First Savings

First National Bank of Central Texas Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
0.50%*$25k*-First Treasury Money Market
OTHER TIERS: 0.35% Up to $25k
0.15%$1,500-First Money Market Checking

First National Bank of Central Texas Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%--First Interest Checking
0.15%--First Prime Checking

First National Bank of Central Texas CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.61%$1k-60 Month CD
1.41%$1k-36 Month CD
1.11%$1k-24 Month CD
0.75%$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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.61%$1k-60 Month IRA
1.41%$1k-36 Month IRA
1.11%$1k-24 Month IRA
0.75%$1k-12 Month IRA
Locations


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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