First National Bank of Central Texas

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LOCATIONS

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.61%	5-year CD	60 Month CD 2.25% - Bank of Internet USA 60 Month CD
0.75%	1-year CD	12 Month CD 1.50% - Goldman Sachs Bank USA 12 Month CD
0.25%	Savings	First Savings 1.20% - Goldman Sachs Bank USA Online Savings

View all First National Bank of Central Texas rates »

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 78^th largest bank in the state of Texas. It is also the 966^th largest bank in the nation. It was established in 1901 and as of June of 2017, it had grown to 90 employees at 5 locations. First National Bank of Central Texas' money market rates are 14% higher than the national average, and it has a B+ health rating.

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Health

B+

Data as of Q2 2017

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Health Grade Components

Overall
FDIC Certificate #	3325
Year Established	1901
Employees	90
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	2.06%
Return on Equity - YTD	22.29%
Annual Interest Income	$15.8MM

Assets and Liabilities
Assets	Q2 2017vs Q2 2016	$784.1MM$735.5MM
Loans	Q2 2017vs Q2 2016	$637.9MM$596.3MM
Deposits	Q2 2017vs Q2 2016	$699.6MM$654.1MM
Equity Capital	Q2 2017vs Q2 2016	$71.6MM$67.4MM
Loan Loss Allowance	Q2 2017vs Q2 2016	$7.2MM$6.8MM
Unbacked Noncurrent Loans	Q2 2017vs Q2 2016	$8.7MM$1.9MM
Real Estate Owned	Q2 2017vs Q2 2016	$154.00K$0

Rates

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First National Bank of Central Texas Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	-	-	First Savings

First National Bank of Central Texas Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
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
0.15%	$1,500	-	First Money Market Checking

First National Bank of Central Texas Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%	-	-	First Interest Checking
0.15%	-	-	First Prime Checking

First National Bank of Central Texas CD Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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 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