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Banks in Waco, TX

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

Data as of Q2 2026 call reports. Banks that no longer file, such as acquired banks, are not listed.

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

Looking for branch locations rather than headquarters? See every bank with a branch in Waco, TX.

The Waco, TX metro area is home to 12 FDIC-insured banks, holding $7.82B in combined assets and $6.77B in deposits. The largest is First National Bank of Central Texas ($1.77B), about 23% of the group's total banking assets, followed by Central National Bank and Alliance Bank Central Texas. Across these banks, the median return on assets is 1.55% and the median CET1 capital ratio is 16.70%.

Banks
12
Total Assets
$7.82B
Total Deposits
$6.77B
Median ROA
1.55%
Median CET1
16.70%

Largest by Assets

First National Bank of Central Texas $1.77B Central National Bank $1.47B Alliance Bank Central Texas $1.32B The First National Bank of McGregor $1.08B Community Bank & Trust, Waco, Texas $649.1M

All banks in Waco, TX

12 institutions with the latest quarterly call report metrics: capital, profitability, and asset quality.

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Banks in the Waco, TX metro area, with total assets, ROA, net interest margin, efficiency ratio, CET1, NPL ratio, and Texas ratio.
First National Bank of Central Texas Waco, TX $1.77B 2.45% 4.27% 43.2% 14.55% 0.10% 0.9%
Central National Bank Waco, TX $1.47B 2.07% 3.91% 44.7% 12.55% 0.11% 0.9%
Alliance Bank Central Texas Woodway, TX $1.32B 0.97% 3.16% 59.1% — 0.02% 10.3%
The First National Bank of McGregor McGregor, TX $1.08B 1.23% 4.31% 61.9% 12.06% 2.72% 26.4%
Community Bank & Trust, Waco, Texas Waco, TX $649.1M 0.98% 3.34% 70.5% 25.98% 0.21% 0.9%
American Bank N.A. Waco, TX $625.2M 1.65% 4.18% 60.0% 14.59% 0.01% 0.1%
First Security State Bank Cranfills Gap, TX $183.1M 1.46% 3.55% 62.8% 19.90% 0.02% 0.1%
First National Bank of Bosque County Valley Mills, TX $182.3M 2.20% 4.69% 55.3% 18.80% 0.72% 3.9%
Security Bank of Texas Crawford, TX $175.9M 1.13% 5.37% 68.7% — 1.75% 11.8%
Fidelity Bank of Texas Waco, TX $162.8M -0.72% 4.25% 112.2% — 0.05% 0.3%
Pointwest Bank West, TX $137.3M 1.72% 4.31% 63.7% 31.83% 0.00% 0.0%
The First National Bank of Moody Moody, TX $54.2M 1.65% 4.93% 65.1% — 0.00% 0.0%

Definitions: return on assets (ROA), net interest margin (NIM), efficiency ratio (Eff.), CET1 capital ratio, nonperforming loan ratio (NPL) and Texas ratio. A blank or NM value sorts last.

Other metro areas

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Data sourced from FFIEC call reports. See /data-updates/ for the full refresh schedule.

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