FIRST NATIONAL BANK OF CENTRAL TEXAS is an 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%. CET1 capital ratio: 15.27%, well above regulatory minimums. NPL ratio: 0.13% · Texas Ratio: 0.80%. Operates 7 domestic branches.
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