First National Bank of Central Texas
Also written as FNB of Central Texas
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Data as of · sourced from FFIEC call reports. How we update
First National Bank of Central Texas is an FDIC-insured commercial bank headquartered in Waco, TX, established in 1901 (FDIC certificate 3325), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.77B, up 12.9% from Q2 2025, the 58th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 14.55% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3325
- Headquarters
- Waco, TX
- Established
- 1901
- Total assets, Q2 2026
- $1.77B
- Assets vs Q2 2025
- +12.9%
- CET1 ratio, Q2 2026
- 14.55%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 111903245
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank of Central Texas Q3 2026 call report, filed October 26, 2026 (preliminary)
- Holding company
- FCT BANCSHARES, INC.
- Asset rank in state
- 58th of 346 in Texas
First National Bank of Central Texas is one of the more profitable banks of its size. Its balance sheet stood at $1.8 billion at June 30, 2026, up 12.9% from a year earlier; it is based in Waco, Texas. It earns about $2.45 a year on every $100 of assets, about double the median of $1.29 for the 880 banks with $1 billion to $10 billion in assets. It also spends about 43 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 58 cents).
Its $158 million commercial and industrial book is improving, with 0.57% past due or on nonaccrual, down from 1.97% a year earlier. Net income for the quarter rose 10% from a year earlier, to $11 million.
As of June 30, 2026, First National Bank of Central Texas reported a CET1 capital ratio of 14.55%, a return on assets of 2.45%, a nonperforming-loan ratio of 0.10% and a Texas ratio of 0.90%. The figures come from its call report filed with the FFIEC.
First National Bank of Central Texas ranks as the 58th largest of the 346 banks based in Texas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 4.5% to $1.77B, loans rose 2.9% and deposits rose 4.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 27.9% of total loans, ahead of non-owner-occupied commercial real estate loans at 21.7%. Its 7 offices in the FDIC Summary of Deposits are in 5 cities in TX; its Waco 3 offices book 77% of its branch deposits. By the capital ratios in its Q2 2026 call report, First National Bank of Central Texas meets every capital ratio test for well capitalized.
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
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 12, 1901
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 131
- Domestic deposits
- $1.55B
- Allowance for credit losses
- $16.5M
- Net charge-offs (YTD)
- $101K
- Average total assets
- $1.81B
- Average total loans
- $1.37B
- Average interest-bearing deposits
- $1.49B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3325
- Fed RSSD
- 369659
- Website
- www.fnbct.bank →
- Parent Holding Company
- FCT BANCSHARES, INC. (RSSD 2348274)
- Ultimate Parent
- 2013 MONTE HULSE FAMILY IRREVOCABLE TRUST I, THE (RSSD 4577984)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First National Bank of Central Texas's total assets ranged from $1.54B (Q1 2025) to $1.77B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.77B total assets against $1.57B; $1.58B total liabilities against $1.39B.
$1.36B net loans and leases against $1.20B; $1.55B total deposits against $1.37B.
$74.3M securities against $91.5M; $256.3M cash and balances due against $209.9M.
$24.8M total interest income against $22.9M; $6.4M total interest expense against $6.6M.
$18.5M net interest income against $16.4M.
$2.2M total noninterest income against $1.7M; $8.9M total noninterest expense against $7.7M.
$605K provision for credit losses against $250K.
$11.1M net income against $10.1M.
2.45% return on assets against 2.47%; 4.27% net interest margin against 4.15%.
14.55% CET1 capital ratio against 15.92%; 10.83% tier 1 leverage ratio against 11.61%.
Inside the full First National Bank of Central Texas terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
First National Bank of Central Texas rankings
Its closest position to the top of a national ranking is 179 of 3,611, for ROA; its furthest is 794 of 980, for uninsured deposits.
Metric pages for First National Bank of Central Texas: ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.08% (Q3 2024) to 2.50% (Q3 2025) and its net interest margin ran from 3.67% (Q3 2024) to 4.27% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.55% | 2.45% | 0.10% | 0.90% | 4.27% |
| Q1 2026 | 15.02% | 2.41% | 0.07% | 0.70% | 4.12% |
| Q4 2025 | 15.27% | 2.48% | 0.13% | 0.81% | 4.23% |
| Q3 2025 | 15.98% | 2.50% | 0.12% | 0.76% | 4.18% |
| Q2 2025 | 15.92% | 2.47% | 0.13% | 0.81% | 4.15% |
| Q1 2025 | 16.06% | 2.24% | 0.12% | 0.75% | 3.90% |
| Q4 2024 | 16.07% | 2.12% | 0.21% | 1.28% | 4.00% |
| Q3 2024 | 15.86% | 2.08% | 0.24% | 1.50% | 3.67% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First National Bank of Central Texas (main office) | Waco , TX | 76710 | $601.4M |
| Woodway-Hewitt Branch | Waco , TX | 76712 | $514.7M |
| Hillsboro Branch | Hillsboro , TX | 76645 | $124.7M |
| Mart Branch | Mart , TX | 76664 | $103.3M |
| Gatesville Branch | Gatesville , TX | 76528 | $95.6M |
| China Spring Branch | Waco , TX | 76708 | $70.9M |
| College Station Branch | College Station , TX | 77845 | $40.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 82 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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 Q2 2026 filing, First National Bank of Central Texas reported total assets of $1.77 billion in its FFIEC call report.
Where is First National Bank of Central Texas headquartered?
It is headquartered in Waco, TX, United States.
When was First National Bank of Central Texas founded?
It was established in 1901, per the FDIC institution directory.
Is First National Bank of Central Texas FDIC-insured?
Yes. It 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.
What is First National Bank of Central Texas's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.55% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First National Bank of Central Texas operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First National Bank of Central Texas's Texas Ratio?
Its Texas Ratio is 0.90% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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