First National Bank of Central Texas
Waco, TX
IDRSSD: 369659
Total Assets
$1.61B
Latest filing
Total Deposits
$1.40B
Latest filing
Net Interest Margin
4.43%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First National Bank of Central Texas
1835 N Valley Mills Dr
Waco, TX 76710
Full Service - Brick and Mortar
Updated 11/14/2025Established 08/12/1901FDIC Certificate 2151
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First National Bank of Central Texas (Main) | 1835 N Valley Mills Dr | Waco, TX |
| MART BRANCH | 501 E Texas Ave | Mart, TX |
| HILLSBORO BRANCH | 1298 Corsicana Highway | Hillsboro, TX |
| CHINA SPRING BRANCH | 10332 China Spring Rd | Waco, TX |
| WOODWAY-HEWITT BRANCH | 7500 Woodway Dr | Waco, TX |
| GATESVILLE BRANCH | 2908 E Main | Gatesville, TX |
| BRYAN-COLLEGE STATION BRANCH | 1645 Greens Prairie Rd W | College Station, TX |
Showing 6 of 6
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 08/12/1901 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 76710 |
| State and County Number | 48309 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Waco, TX |
Operational Info
| Number of Employees | 120 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fnbct.com |
| Data Updated | 11/14/2025 |
| CERT | 3325 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.61B |
| Total Deposits | $1.40B |
| Total Liabilities | $1.42B |
| Total Equity Capital | $188.14M |
| Net Income | $10.36M |
| Net Loans and Leases | $1.22B |
| Assets Per Employee ($Millions) | $13.99M |
| Bank Premises and Fixed Assets | $28.98M |
| Cash and Balances due from Depository Institutions | $231.95M |
| Deposits Held in Domestic Offices | $1.40B |
Key Performance Ratios
| Return on Assets (ROA) | 2.6% |
| Return on Equity (ROE) | 22.4% |
| Net Interest Margin | 4.43% |
| Efficiency Ratio | 42.68% |
| Tier 1 Risk-Based Capital Ratio | 15.982% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.693% |
| Earning Assets to total Assets | 94.41% |
Income and Expense
| Total Interest Income | $23.26M |
| Total Noninterest Income | $1.74M |
| Total Interest Expense | $6.62M |
| Total Noninterest Expense | $7.84M |
| Net Interest Income | $16.64M |
| Pre-tax Net Operating Income | $10.36M |
| Provision for Credit Losses | $175.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $12.40M |
| All Other Liabilities | $12.63M |
| Total Liabilities and Capital | $1.61B |
Securities
| Securities | $87.95M |
| Available-for-sale debt securities | $87.95M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First National Bank of Central Texas?
$1.61B as of the latest filing.
How much are First National Bank of Central Texas's total deposits?
$1.40B in total deposits.
Where is First National Bank of Central Texas located?
Waco, TX.
What is the Net Interest Margin?
4.43%.
How many domestic offices does it operate?
7.
When was it established?
08/12/1901.
What is the Return on Assets (ROA)?
2.6%.
How much are total loans and leases?
$1.22B (latest filing).
What is the total interest income (latest filing)?
$23.26M.