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Lists · Deposits by metro area

Waco, TX Metro Area Bank Deposit Market Share

First National Bank of Central Texas holds the largest share of deposits in the Waco, TX metro area, 15.2%, followed by The First National Bank of McGregor (11.2%) and Alliance Bank Central Texas (8.8%). 26 institutions hold $8.51B at 70 offices as of June 30, 2026.

Institutions: 26 Offices: 70 Deposits: $8.51B Survey: FDIC Summary of Deposits, June 30, 2026
# Institution Offices Deposits Market share Share change from 2025 Deposit change
1 First National Bank of Central Texas 4 $1.29B 15.16% — —
2 The First National Bank of McGregor 6 $949.6M 11.16% — —
3 Alliance Bank Central Texas 3 $749.5M 8.81% — —
4 Central National Bank 2 $742.0M 8.72% — —
5 Extraco Banks, N.A. 3 $663.5M 7.80% — —
6 Community Bank & Trust, Waco, Texas 4 $562.6M 6.61% — —
7 American Bank N.A. 4 $557.1M 6.55% — —
8 Bank of America, N.A. 2 $467.7M 5.50% — —
9 Wells Fargo Bank, N.A. 3 $395.1M 4.64% — —
10 JPMorgan Chase Bank, N.A. 3 $389.3M 4.57% — —
11 SouthState Bank, N.A. 2 $386.8M 4.54% — —
12 The Huntington National Bank 6 $365.2M 4.29% — —
13 PNC Bank, N.A. 4 $247.7M 2.91% — —
14 Fidelity Bank of Texas 2 $132.5M 1.56% — —
15 Pointwest Bank 4 $121.8M 1.43% — —
16 Classic Bank, N.A. 1 $81.3M 0.96% — —
17 Security Bank of Texas 1 $80.4M 0.94% — —
18 Incommons Bank, N.A. 3 $68.1M 0.80% — —
19 The First National Bank of Hughes Springs 2 $39.8M 0.47% — —
20 The First National Bank of Moody 1 $39.6M 0.46% — —
21 First State Bank 1 $37.2M 0.44% — —
22 First National Bank of Bosque County 1 $33.9M 0.40% — —
23 Sunflower Bank, N.A. 1 $32.9M 0.39% — —
24 First National Bank Texas dba First Convenience Bank 5 $28.7M 0.34% — —
25 The First National Bank of Bastrop 1 $27.5M 0.32% — —
26 Citizens State Bank 1 $20.6M 0.24% — —

About this list

Deposits are those held at each institution's offices in Waco, TX (the Census Bureau core based statistical area) as of June 30, 2026, from the FDIC Summary of Deposits, whatever state the institution is headquartered in. Market share is the institution's deposits divided by all deposits in the market. Shares are by bank charter, not rolled up to the holding company, and cover FDIC-insured institutions only, so credit unions are not included. Each office is placed in its county and metro area by the FDIC branch directory; the few offices the directory does not list are left out of the market and of every share.

The change from 2025 is not shown for this market: some offices that closed during the year cannot be placed in a single county or metro area, and they hold enough deposits to move the comparison. The 2026 shares are complete.

Counties in this metro area

Mclennan County, TXFalls County, TX

Statewide deposits

Texas

Largest metro areas

New York-Newark-Jersey City, NY-NJ-PASalt Lake City, UTSioux Falls, SDDallas-Fort Worth-Arlington, TXPhiladelphia-Camden-Wilmington, PA-NJ-DE-MDLos Angeles-Long Beach-Anaheim, CAChicago-Naperville-Elgin, IL-IN-WIBoston-Cambridge-Newton, MA-NHSan Francisco-Oakland-Berkeley, CACharlotte-Concord-Gastonia, NC-SCHouston-The Woodlands-Sugar Land, TXMiami-Fort Lauderdale-Pompano Beach, FLWashington-Arlington-Alexandria, DC-VA-MD-WVAtlanta-Sandy Springs-Alpharetta, GAMinneapolis-St. Paul-Bloomington, MN-WIPittsburgh, PAPhoenix-Mesa-Chandler, AZCincinnati, OH-KY-INDetroit-Warren-Dearborn, MISan Jose-Sunnyvale-Santa Clara, CASan Antonio-New Braunfels, TXSeattle-Tacoma-Bellevue, WASt. Louis, MO-ILSan Diego-Chula Vista-Carlsbad, CACleveland-Elyria, OHTampa-St. Petersburg-Clearwater, FLColumbus, OHJacksonville, FLDenver-Aurora-Lakewood, CORaleigh-Cary, NCNashville-Davidson-Murfreesboro-Franklin, TNBaltimore-Columbia-Towson, MDKansas City, MO-KSSacramento-Roseville-Folsom, CALas Vegas-Henderson-Paradise, NVIndianapolis-Carmel-Anderson, INSalisbury, MD-DEMilwaukee-Waukesha, WIRiverside-San Bernardino-Ontario, CASan Juan-Bayamon-Caguas, PR

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