Bank Safety Analysis
Is First National Bank of Central Texas Safe? Waco, Texas
Based on its Q2 2026 call report, First National Bank of Central Texas meets every capital ratio test for well capitalized, its Texas ratio is 0.90%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is First National Bank of Central Texas safe?
On its Q2 2026 call report, First National Bank of Central Texas's CET1 ratio is 14.55%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q2 2026): 14.55%
- Tier 1 leverage ratio (Q2 2026): 10.83%
- Texas ratio (Q2 2026): 0.90%
- Noncurrent loans ratio (Q2 2026): 0.10%
First National Bank of Central Texas is an FDIC-insured commercial bank (FDIC Certificate #3325). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report First National Bank of Central Texas (FDIC Certificate #3325) filed for the quarter ended June 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures · what these ratios mean · how we score.
First National Bank of Central Texas passes all 5 scorecard dimensions, but not every risk screen below is clear. 1 risk screen is flagged: commercial real estate to capital. Analysis based on the Q2 2026 call report.
The largest change between Q1 2026 and Q2 2026 was in net interest margin, which rose 0.15 percentage points to 4.27%. Within Texas, First National Bank of Central Texas is 128th of 184 on CET1 ratio, 14.55% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. First National Bank of Central Texas sits 1.06 points higher, at 14.55% (Q2 2026). From Q3 2023 to Q2 2026, First National Bank of Central Texas's CET1 ratio ranged between 11.16% (Q3 2023) and 16.07% (Q4 2024) and its Texas ratio ranged between 0.26% (Q1 2024) and 2.21% (Q2 2024). Between Q2 2025 and Q2 2026, First National Bank of Central Texas's CET1 ratio fell from 15.92% to 14.55%, nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 0.13% to 0.10%, Texas ratio rose from 0.81% to 0.90% and return on assets fell from 2.47% to 2.45%.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety.
See the methodology. This is not investment advice or a credit rating.
How does First National Bank of Central Texas score on capital, credit and costs?
Peer cohort: $1B to $10B (941 banks) · Industry averages as of Q2 2026.
CET1 of 14.55% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 10.83% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.10% are within industry-normal range.
Texas Ratio of 0.9% is well below the 100% historical failure threshold.
Efficiency ratio of 43.2% reflects competitive operating costs (lower is better).
Does First National Bank of Central Texas trip any risk screens?
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 14.55% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 0.90% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.10% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | 21.14% | Watch at 50%, concern at 70% | Within range |
| Loan-to-deposit ratio BankRegReports band | 88.86% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 230.95% | Watch at 200%, concern at 300% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 14.55% |
| Q1 2026 | 15.02% |
| Q4 2025 | 15.27% |
| Q3 2025 | 15.98% |
| Q2 2025 | 15.92% |
| Q1 2025 | 16.06% |
| Q4 2024 | 16.07% |
| Q3 2024 | 15.86% |
| Q2 2024 | 15.36% |
| Q1 2024 | 15.27% |
| Q4 2023 | 12.98% |
| Q3 2023 | 11.16% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.90% |
| Q1 2026 | 0.70% |
| Q4 2025 | 0.81% |
| Q3 2025 | 0.76% |
| Q2 2025 | 0.81% |
| Q1 2025 | 0.75% |
| Q4 2024 | 1.28% |
| Q3 2024 | 1.50% |
| Q2 2024 | 2.21% |
| Q1 2024 | 0.26% |
| Q4 2023 | 0.29% |
| Q3 2023 | 1.89% |
How have First National Bank of Central Texas's safety ratios changed?
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 14.55% | 0.10% | 0.90% | 2.45% |
| Mar 31, 2026 | 15.02% | 0.07% | 0.70% | 2.41% |
| Dec 31, 2025 | 15.27% | 0.13% | 0.81% | 2.48% |
| Sep 30, 2025 | 15.98% | 0.12% | 0.76% | 2.50% |
| Jun 30, 2025 | 15.92% | 0.13% | 0.81% | 2.47% |
| Mar 31, 2025 | 16.06% | 0.12% | 0.75% | 2.24% |
| Dec 31, 2024 | 16.07% | 0.21% | 1.28% | 2.12% |
| Sep 30, 2024 | 15.86% | 0.24% | 1.50% | 2.08% |
| Jun 30, 2024 | 15.36% | 0.34% | 2.21% | 2.30% |
| Mar 31, 2024 | 15.27% | 0.04% | 0.26% | 2.45% |
| Dec 31, 2023 | 12.98% | 0.04% | 0.29% | 2.25% |
| Sep 30, 2023 | 11.16% | 0.23% | 1.89% | 2.26% |
What do these ratios mean?
CET1 Ratio
Common equity tier 1 (CET1) capital, mostly common stock and retained earnings, divided by risk-weighted assets. It is the most-watched single capital ratio in US bank supervision. CET1 Ratio in the glossary.
Tier 1 Leverage Ratio
Tier 1 capital divided by average total assets, with no risk weighting. It caps how far a bank can grow its balance sheet on its capital. Tier 1 Leverage Ratio in the glossary.
Nonperforming Loans (NPL) Ratio
Nonaccrual loans plus loans 90 or more days past due, divided by total loans. Regulators call these noncurrent loans, the name the short answer above uses. Nonperforming Loans (NPL) Ratio in the glossary.
Texas Ratio
Problem assets (nonaccrual loans, loans 90 or more days past due and foreclosed real estate) divided by tangible equity plus the loan-loss reserve. Readings above 100% have historically come before bank failures. Texas Ratio in the glossary.
Efficiency Ratio
Noninterest expense divided by revenue (net interest income plus noninterest income). Lower is better: it is what the bank spends to earn each dollar. Efficiency Ratio in the glossary.
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
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). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is First National Bank of Central Texas well capitalized?
On its Q2 2026 call report, First National Bank of Central Texas's CET1 ratio is 14.55%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the OCC, applies.
What are First National Bank of Central Texas's key safety ratios?
For Q2 2026, First National Bank of Central Texas reports CET1 14.55%, leverage 10.83%, Texas ratio 0.90%, noncurrent loans 0.10%. The Texas ratio compares problem assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
What happens to my deposits if First National Bank of Central Texas fails?
Insured deposits are protected up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC pays insured depositors as soon as possible, usually the next business day.
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Where does this data come from?
Source: the FFIEC call report First National Bank of Central Texas (FDIC Certificate #3325) filed for the quarter ended June 30, 2026. BankRegReports computes every ratio on this page from that filing.
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice.
FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 3325) · FFIEC NIC profile (RSSD 369659)
Explore: Full First National Bank of Central Texas profile · Other banks in TX · Metric glossary · How the call report works