First National Bank of Central Texas
Waco, TX · National commercial bank
Sonar Score
Strong
out of 100 · from public FDIC data
Reported June 30, 2026. The Sonar Score is an informational signal from public FDIC data — not a rating or financial advice.
Key figures
- Total assets
- $1.8B
- Total deposits
- $1.6B
- Branches
- 8
- Return on assets
- 2.55%
- Return on equity
- 22.60%
- Charter type
- National commercial bank
- Established
- 1901
- FDIC cert #
- 3325
How the 91 breaks down
Well-capitalized by regulatory thresholds.
Strong returns on its asset base.
Efficient use of shareholder capital.
Mid-size institution.
Your deposits at First National Bank of Central Texas
First National Bank of Central Texas is an FDIC-insured institution (Cert #3325). Deposits are insured up to $250,000 per depositor, per ownership category, by the full faith and credit of the US government. Learn how to maximize your coverage →
8 branch locations
501 E Texas Ave
Mart, TX 76664
1835 N Valley Mills Dr
Waco, TX 76710
1298 Corsicana Highway
Hillsboro, TX 76645
10332 China Spring Rd
Waco, TX 76708
7500 Woodway Dr
Waco, TX 76712
2908 E Main
Gatesville, TX 76528
4270 State Highway 6 S
College Station, TX 77845
502 S Key Ave
Lampasas, TX 76550
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