Asset Tier

Waco, TX

All FDIC-insured banks headquartered in the Waco, TX metropolitan area

Every FDIC-insured commercial bank with headquarters in the Waco, TX metro area, with the most recent quarterly call report data — total assets, deposits, capital ratios, asset quality, and profitability. The full MSA covered is: Waco, Tx.

Banks

Total Assets

$7.5B

Total Deposits

$6.5B

Avg ROA

1.61%

Median CET1

16.30%

Largest by Assets

FIRST NATIONAL BANK OF CENTRAL TEXAS$1.7B CENTRAL NATIONAL BANK$1.4B ALLIANCE BANK CENTRAL TEXAS$1.3B FIRST NATIONAL BANK OF MCGREGOR, THE$1.0B COMMUNITY BANK & TRUST, WACO, TEXAS$658M

Bank	HQ	Assets	ROA	CET1	NPL	Texas
FIRST NATIONAL BANK OF CENTRAL TEXAS	WACO, TX	$1.7B	2.41%	15.02%	0.07%	0.7%
CENTRAL NATIONAL BANK	WACO, TX	$1.4B	2.04%	12.31%	0.00%	0.6%
ALLIANCE BANK CENTRAL TEXAS	WOODWAY, TX	$1.3B	1.05%	16.30%	0.00%	10.6%
FIRST NATIONAL BANK OF MCGREGOR, THE	MC GREGOR, TX	$1.0B	1.01%	11.93%	2.42%	26.9%
COMMUNITY BANK & TRUST, WACO, TEXAS	WACO, TX	$658M	1.15%	24.39%	0.34%	1.6%
AMERICAN BANK NATIONAL ASSOCIATION	WACO, TX	$628M	1.61%	14.55%	0.01%	0.3%
FIRST NATIONAL BANK OF BOSQUE COUNTY	VALLEY MILLS, TX	$186M	2.01%	18.89%	0.49%	2.9%
FIRST SECURITY STATE BANK	CRANFILLS GAP, TX	$180M	1.40%	19.60%	0.01%	0.1%
FIDELITY BANK OF TEXAS	WACO, TX	$165M	-0.38%	—	0.00%	4.1%
POINTWEST BANK	WEST, TX	$138M	1.72%	30.82%	0.06%	0.2%
FIRST NATIONAL BANK OF MOODY, THE	MOODY, TX	$53M	0.25%	—	5.78%	11.2%

Other asset tiers

Largest US Banks (≥ $100B in assets)Regional Banks ($10B–$100B in assets)Large Community Banks ($1B–$10B in assets)Midsize Community Banks ($500M–$1B in assets)Small Community Banks ($100M–$500M in assets)Micro Community Banks (< $100M in assets)

Data sourced from FFIEC call reports — current as of Q1 2026. See /data-updates/ for the full refresh schedule.

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