Total Assets
$1.8B
Total Deposits
$1.6B
Branches
7
Established
1901
First National Bank of Central Texas is a bank headquartered in Waco, Texas, established in 1901. It holds $1.8B in total assets across 7 branch locations. In our editorial opinion, based on public FDIC/NCUA data, First National Bank of Central Texas earns a TFS Financial Health Grade of A (92.3/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
92.3 / 100
Excellent financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| First National Bank of Central TexasHQ | 1835 N Valley Mills Dr | Waco | TX | 11 |
| First National Bank of Central Texas | 1645 Greens Prairie Rd W | College Station | TX | 11 |
| First National Bank of Central Texas | 2908 E Main | Gatesville | TX | 11 |
| First National Bank of Central Texas | 1298 Corsicana Highway | Hillsboro | TX | 11 |
| First National Bank of Central Texas | 501 E Texas Ave | Mart | TX | 11 |
| First National Bank of Central Texas | 10332 China Spring Rd | Waco | TX | 11 |
| First National Bank of Central Texas | 7500 Woodway Dr | Waco | TX | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
92.3
Tier 1 capital ratio
10.83%
Return on assets
2.55%
Non-performing loans
0.10%
Efficiency ratio
43.55%
Asset growth (YoY)
12.85%
Suggested direct comparisons
Waco, TX
$490.9M
Wolfforth, TX
$1.9B
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.