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First National Bank of Central Texas


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 77th largest bank in the state of Texas. It is also the 934th largest bank in the nation. It was established in 1901 and as of September of 2019, it had grown to 94 employees at 5 locations. First National Bank of Central Texas' money market rates are 70% higher than the national average, and it has an A health rating.

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Health
A

Data as of Q3 2019

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Health Grade Components

Overall
FDIC Certificate #3325
Year Established1901
Employees94
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD2.49%
Return on Equity - YTD25.11%
Annual Interest Income$29.4MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$856.0MM$881.9MM
LoansQ3 2019vs Q3 2018$727.4MM$729.5MM
DepositsQ3 2019vs Q3 2018$752.1MM$790.6MM
Equity CapitalQ3 2019vs Q3 2018$86.0MM$77.6MM
Loan Loss AllowanceQ3 2019vs Q3 2018$8.7MM$8.0MM
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$351.00K$840.00K
Real Estate OwnedQ3 2019vs Q3 2018$0$32.00K
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
0.75%*$100k*-First Investment Checking
OTHER TIERS: 0.40% → Up to $25k | 0.50% → $25k - $100k
0.75%*$25k*-Business First Treasury Money Market
OTHER TIERS: 0.60% → Up to $25k
0.75%*$25k*-Non-Profit Giving Back Money Market Account
OTHER TIERS: 0.60% → Up to $25k
0.40%$1.5k-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
2.02%$1k-60 Month CD
1.76%$1k-36 Month CD
1.51%$1k-24 Month CD
1.26%$1k-12 Month CD
1.26%$1k-Non-Profit 12 Month Giving Back CD
0.55%$1k-6 Month CD
0.55%$1k-Non-Profit 6 Month Giving Back CD
0.45%$1k-3 Month CD
0.45%$1k-Non-Profit 3 Month Giving Back CD
0.40%$1k-1 Month CD

First National Bank of Central Texas IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%$1k-60 Month IRA
1.76%$1k-36 Month IRA
1.51%$1k-24 Month IRA
1.26%$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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