Branch Presence
Banks with Branches in Waco, TX
First National Bank of Central Texas is the biggest bank in Waco, TX, with $1.19B in deposits at its Waco branches, 18.4% of the city's total as of the June 30, 2026 FDIC Summary of Deposits.
21 banks operate 47 branches in Waco, TX, ranked below by local branch count from the FDIC Summary of Deposits. This counts every bank with a branch here, not only banks headquartered locally.
Deposit share is each bank's share of the $6.45B held in Waco, TX, as of the June 30, 2026 FDIC Summary of Deposits, ranked by deposits (#1 is largest). Banks that book deposits at a headquarters branch can show a share that exceeds their local customer base.
County deposit market: Mclennan, TX
The $8.23B held across 22 FDIC-insured banks in this county, as of the June 30, 2026 FDIC Summary of Deposits. The 10 largest are shown; see every bank in the Mclennan, TX market with its change from a year earlier. Banks only: credit unions are not in the Summary of Deposits.
| Rank | Bank | Deposit share | Deposits | Branches |
|---|---|---|---|---|
| 1 | First National Bank of Central Texas | 15.7% | $1.29B | 4 |
| 2 | The First National Bank of McGregor | 11.5% | $949.6M | 6 |
| 3 | Alliance Bank Central Texas | 9.1% | $749.5M | 3 |
| 4 | Central National Bank | 9.0% | $742.0M | 2 |
| 5 | Extraco Banks, N.A. | 8.1% | $663.5M | 3 |
| 6 | Community Bank & Trust, Waco, Texas | 6.8% | $562.6M | 4 |
| 7 | American Bank N.A. | 6.8% | $557.1M | 4 |
| 8 | Bank of America, N.A. | 5.7% | $467.7M | 2 |
| 9 | Wells Fargo Bank, N.A. | 4.8% | $395.1M | 3 |
| 10 | JPMorgan Chase Bank, N.A. | 4.7% | $389.3M | 3 |
Metro area deposit market: Waco, TX
The $8.51B held across 26 FDIC-insured banks in this metro area, as of the June 30, 2026 FDIC Summary of Deposits. The 10 largest are shown; see every bank in the Waco, TX market with its change from a year earlier. Banks only: credit unions are not in the Summary of Deposits.
| Rank | Bank | Deposit share | Deposits | Branches |
|---|---|---|---|---|
| 1 | First National Bank of Central Texas | 15.2% | $1.29B | 4 |
| 2 | The First National Bank of McGregor | 11.2% | $949.6M | 6 |
| 3 | Alliance Bank Central Texas | 8.8% | $749.5M | 3 |
| 4 | Central National Bank | 8.7% | $742.0M | 2 |
| 5 | Extraco Banks, N.A. | 7.8% | $663.5M | 3 |
| 6 | Community Bank & Trust, Waco, Texas | 6.6% | $562.6M | 4 |
| 7 | American Bank N.A. | 6.5% | $557.1M | 4 |
| 8 | Bank of America, N.A. | 5.5% | $467.7M | 2 |
| 9 | Wells Fargo Bank, N.A. | 4.6% | $395.1M | 3 |
| 10 | JPMorgan Chase Bank, N.A. | 4.6% | $389.3M | 3 |
Banks in Waco: common questions
What is the biggest bank in Waco, TX?
First National Bank of Central Texas is the biggest bank in Waco, TX, with $1.19B in deposits at its Waco branches, 18.4% of the city's total as of the June 30, 2026 FDIC Summary of Deposits.
How many banks are in Waco, TX?
21 FDIC-insured banks operate 47 branches in Waco, TX as of the June 30, 2026 FDIC Summary of Deposits. This counts every bank with a branch in the city, not only banks headquartered there. Credit unions are not in the Summary of Deposits.
What are the largest banks in Waco, TX?
Ranked by deposits held in Waco branches as of the June 30, 2026 FDIC Summary of Deposits: 1. First National Bank of Central Texas (18.4%); 2. Central National Bank (11.5%); 3. Extraco Banks, N.A. (10.3%); 4. Community Bank & Trust, Waco, Texas (8.7%); 5. American Bank N.A. (8.6%). The share is each bank's part of all deposits in the city.
Largest banks in Texas
For the state as a whole, see the largest banks in Texas, ranked by total assets and by deposits in Texas branches, or every bank in the Texas bank directory.
Banks in other Texas cities:
About this data
Branch counts and local deposits come from the FDIC Summary of Deposits, the annual June 30 survey of branch-office deposits for every FDIC-insured bank. Click any bank to see its full regulatory profile and complete branch network. Looking for banks headquartered here instead? See the US bank directory.