First National Bank of Central Texas
Waco, TX · National commercial bank
Sonar Score
Stable
out of 100 · from public FDIC data
Reported March 31, 2026. The Sonar Score is an informational signal from public FDIC data — not a rating or financial advice.
Key figures
- Total assets
- $1.7B
- Total deposits
- $1.5B
- Branches
- 6
- Return on assets
- 2.55%
- Return on equity
- 22.00%
- Charter type
- National commercial bank
- Established
- 1901
- FDIC cert #
- 3325
How the 71 breaks down
Capital ratio not reported.
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 →
6 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
Sponsored · we may earn a commission
Earning enough on your savings?
Many big-bank savings accounts pay near 0%. Compare today's top high-yield savings and CD rates from FDIC-insured banks before you decide where to keep your cash.
Compare savings rates