First National Bank of Central Texas
First National Bank of Central Texas is an FDIC-insured commercial bank. Total assets stand at $1.7B. Profitability is strong — 2.41% ROA, paired with 22.00% ROE and a 4.12% net interest margin. Capital cushions are healthy: 15.02% CET1, 11.38% Tier 1 leverage. Credit metrics are pristine, with nonperforming loans at just 0.07%. 7 branches make up the footprint.
Headquarters Profile
- Address
- 1835 N Valley Mills Dr, WACO, TX 76710
- County
- Mclennan
- Metro Area
- WACO, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- Fed District
- 13
- Established
- August 12, 1901
- Branches
- 7 domestic
- Employees (FTE)
- 124
- FDIC Cert
- 3325
- Fed RSSD
- 369659
- Website
- www.fnbct.com →
- Parent Holding Company
- FCT BANCSHARES, INC. (RSSD 2348274)
Capital & Liquidity
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First National Bank of Central Texas rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about First National Bank of Central Texas
What are First National Bank of Central Texas's total assets?
As of the Q1 2026 filing, First National Bank of Central Texas reported total assets of $1.70 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First National Bank of Central Texas headquartered?
First National Bank of Central Texas is headquartered in WACO, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First National Bank of Central Texas founded?
First National Bank of Central Texas was established in 1901, per the FDIC institution directory.
Is First National Bank of Central Texas FDIC-insured?
Yes. First National Bank of Central Texas is an FDIC-insured commercial bank (FDIC Certificate #3325). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank of Central Texas?
First National Bank of Central Texas's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First National Bank of Central Texas's CET1 capital ratio?
First National Bank of Central Texas reported a Common Equity Tier 1 (CET1) capital ratio of 15.02% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does First National Bank of Central Texas operate?
First National Bank of Central Texas operates 7 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is First National Bank of Central Texas's Texas Ratio?
First National Bank of Central Texas's Texas Ratio is 0.70% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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