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First National Bank Of Central Texas
Waco, TX · FDIC Certificate #3325 · Chartered 08/1
Total assets
$1.77B
Total deposits
$1.55B
Total equity
$191.18M
Net loans
$1.36B
Branches (offices)
7
Net income (YTD)
$21.62M
Rank: #650 of 4,213 U.S. banks by assets · #58 of 346 in Texas. Assets changed 12.9% and deposits 13.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.55% |
| Return on equity | 22.60% |
| Net interest margin (YTD) | 4.47% |
| Equity to assets | 10.77% |
| Tier 1 leverage ratio | 10.83% |
| Uninsured deposits (share of deposits) | 21.1% |
| Noncurrent loans (share of loans) | 0.10% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 87.8% |
| Real estate loans (share of loans) | 82.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.12B | 82.1% | |
| Commercial & industrial | $157.57M | 11.6% | |
| Consumer / individual | $13.48M | 1.0% | |
| Construction & development | $150.01M | 11.0% | |
| Agricultural | $47.21M | 3.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.32B | $1.20B | $12.24M | $96.81M |
| Jun 2023 | $1.45B | $1.18B | $17.02M | $113.69M |
| Jun 2024 | $1.59B | $1.32B | $19.54M | $164.64M |
| Jun 2025 | $1.57B | $1.37B | $19.02M | $181.77M |
| Jun 2026 | $1.77B | $1.55B | $21.62M | $191.18M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $1.55B | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.55B.
Similar-sized banks
Old Dominion National Bank ($1.80B) · Waterford Bank, N.A. ($1.77B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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