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First National Bank of Central Texas Locations & Branches Waco, Texas
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First National Bank of Central Texas operates 7 branches from its headquarters in Waco, TX, .
First National Bank of Central Texas branch network
All 7 branches are in TEXAS, across 5 cities. Waco, TX has the most of its branches, 3. Its largest office by deposits is its main office in Waco, TX, with $601.4M (38.8% of its branch deposits). It had the same number of branches on June 30, 2025.
First National Bank of Central Texas at a glance
Its CET1 capital ratio was 14.55% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $1.77B
- CET1 ratio, Q2 2026
- 14.55%
- Deposit insurance
- FDIC
- Regulator
- OCC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1901
Full financial profile · Is First National Bank of Central Texas safe? · First National Bank of Central Texas Q3 2026 call report, filed October 26, 2026 (preliminary) · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Waco, TX (3 branches) | 1 of 21 | 18.4% | $1.19B |
| State: TX (7 branches) | 82 of 441 | <0.1% | $1.55B |
Ranked by total assets among banks headquartered in the state: Largest banks in Texas.
Share by county and metro area
First National Bank of Central Texas's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Mclennan, TX (4 branches) | 1 of 22 | 15.7% | $1.29B | $8.23B |
| Hill, TX (1 branch) | 3 of 7 | 17.5% | $124.7M | $714.1M |
| Coryell, TX (1 branch) | 5 of 6 | 8.5% | $95.6M | $1.13B |
| Brazos, TX (1 branch) | 20 of 24 | 0.5% | $40.6M | $7.88B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Waco, TX (4 branches) | 1 of 26 | 15.2% | $1.29B | $8.51B |
| Killeen-Temple, TX (1 branch) | 15 of 23 | 1.4% | $95.6M | $6.99B |
| College Station-Bryan, TX (1 branch) | 23 of 26 | 0.4% | $40.6M | $9.08B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 3325) · FFIEC NIC profile (RSSD 369659)