First National Bank of Central Texas


Overview / Commentary
254-772-9330
1835 N. Valley Mills Dr.
Waco, TX 76710

First National Bank of Central Texas is headquartered in WACO and is the 66th largest bank in the state of Texas. It is also the 724th largest bank in the nation. It was established in 1901 and as of March of 2025, it had grown to 119 employees at 8 locations. First National Bank of Central Texas has an A+ health rating.

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Health
A+

Health Grade Components

Overall
FDIC Certificate #3325
Year Established1901
Employees119
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD2.31%
Return on Equity - YTD19.88%
Annual Interest Income$21.5MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.54B$1.62B
LoansQ1 2025vs Q1 2024$1.21B$1.14B
DepositsQ1 2025vs Q1 2024$1.34B$1.29B
Equity CapitalQ1 2025vs Q1 2024$182.4MM$165.3MM
Loan Loss AllowanceQ1 2025vs Q1 2024$15.2MM$14.9MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$1.5MM$457K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates

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Locations


First National Bank of Central Texas Locations
China Spring Branch10332 China Spring RoadWaco, TX 76708
First National Bank Of Central Texas1835 N Valley Mills DrWaco, TX 76710
Hillsboro Branch300 ElmHillsboro, TX 76645
Mart Branch501 Texas AvenueMart, TX 76664
Woodway-Hewitt Branch7500 W. Woodway DriveWaco, TX 76712

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