First National Bank of Central Texas
Chartered Bank Active FDIC Insured
Health Score
10.0 / 10
1835 N Valley Mills Dr, Waco, TX 76710
Financial Overview
Total Assets $1.70B
Total Deposits $1.48B
Profitability (ROA) 2.55%
Shareholder Return (ROE) 22.00%
Capital Cushion (Eq/Assets) 11.38%
Established 08/12/1901
Risk & Growth Profiles
✓ Clean Regulatory Record
No recent history of FDIC conservatorship or financial failure.
Deposit Momentum
$212.0M avg deposits per branch.
Measures how much capital the bank holds against its physical footprint. A higher ratio indicates a highly liquid, lower-overhead lending profile.
Operations & Contact
Contact
Website: www.fnbct.com
FDIC Certificate #: 3325
Specialization: Commercial Lending Specialization