First National Bank of Central Texas

Overview / Commentary

www.fnbct.com

254-772-9330

1835 N. Valley Mills Dr.
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 853^rd largest bank in the nation. It was established in 1901 and as of March of 2021, it had grown to 100 employees at 5 locations. First National Bank of Central Texas has an A health rating.

Reviews

Write a Review

No reviews have been left for this bank yet. Be the first to review.

Health

Data as of Q1 2021

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	3325
Year Established	1901
Employees	100
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	2.35%
Return on Equity - YTD	26.88%
Annual Interest Income	$9.3MM

Assets and Liabilities
Assets	Q1 2021vs Q1 2020	$1.16B$889.0MM
Loans	Q1 2021vs Q1 2020	$789.1MM$754.3MM
Deposits	Q1 2021vs Q1 2020	$1.04B$757.3MM
Equity Capital	Q1 2021vs Q1 2020	$101.2MM$88.2MM
Loan Loss Allowance	Q1 2021vs Q1 2020	$9.2MM$9.0MM
Unbacked Noncurrent Loans	Q1 2021vs Q1 2020	$4.4MM$9.1MM
Real Estate Owned	Q1 2021vs Q1 2020	$0$0

Rates

Skip to rates for:

Savings
Money Market
Checking
CD
IRA

Report an Issue

Always verify rates and promotions with the bank or credit union. We are not First National Bank of Central Texas; we are a rate comparison website and cannot provide official rates or promotions.

* 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
0.10%	-	-	First Savings

First National Bank of Central Texas Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.40%^*	$25k^*	-	Giving Back Money Market Account (Non-Profit)
OTHER TIERS: 0.25% → Up to $25k
0.30%^*	$25k^*	-	First Treasury Money Market
OTHER TIERS: 0.15% → Up to $25k
0.25%^*	$100k^*	-	First Investment Checking
OTHER TIERS: 0.10% → Up to $25k \| 0.15% → $25k - $100k
0.10%	$1.5k	-	First Money Market Checking

First National Bank of Central Texas Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%	-	-	Giving Back Account
0.05%	-	-	First Interest Checking
0.05%	-	-	First Prime Checking

First National Bank of Central Texas CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.91%	$1k	-	60 Month CD
0.65%	$1k	-	36 Month CD
0.55%	$1k	-	24 Month CD
0.50%	$1k	-	12 Month Giving Back CD (Non-Profit)
0.40%	$1k	-	12 Month CD
0.25%	$1k	-	6 Month Giving Back CD (Non-Profit)
0.20%	$1k	-	6 Month CD
0.15%	$1k	-	3 Month CD
0.15%	$1k	-	3 Month Giving Back CD (Non-Profit)
0.10%	$1k	-	1 Month CD

First National Bank of Central Texas IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.91%	$1k	-	60 Month IRA
0.65%	$1k	-	36 Month IRA
0.55%	$1k	-	24 Month IRA
0.40%	$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

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.