FIRST NATIONAL BANK OF CENTRAL TEXAS

FIRST NATIONAL BANK OF CENTRAL TEXAS is aln large FDIC-insured commercial bank headquartered in WACO, TX, established in Aug. 12, 1901, midnight. As of 2025-12-31, the bank reported total assets of $1.6B and total deposits of $1.4B. Profitability stands at 2.67% ROA and 22.76% ROE, with a net interest margin of 4.75%. The bank's CET1 capital ratio is 15.27%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.13% and a Texas Ratio of 0.80%. FDIC Certificate #3325.