First National Bank of Central Texas
Headquarters: Waco, Texas
Overview
First National Bank of Central Texas is an FDIC-insured bank headquartered in Waco, Texas. It reported $1.77B in assets and $1.55B in deposits for the period ending June 30, 2026. Bankular currently lists 7 branch locations.
What Bankular checked
These dates identify the official records and review steps supporting this profile.
Quarterly change
What changed since the previous report
March 31, 2026 to June 30, 2026
These comparisons use consecutive official regulatory reporting periods. A change is descriptive and is not a recommendation or safety rating.
Financial indicators
Capital, profitability and credit quality
These are the latest reported capital, profitability and credit-quality measures available for this institution. Read the figures together rather than as a single safety rating.
Branch footprint
Where First National Bank of Central Texas has branches
Explore the cities with the most currently listed locations. Branch hours can change, so confirm current lobby, drive-through and appointment hours with the institution before visiting.
Locations
Find a branch of First National Bank of Central Texas
China Spring
10332 China Spring Rd, Waco, Texas, 76708
Full-service branch · Opened April 12, 2004
College Station Branch
4270 State Highway 6 S, College Station, Texas, 77845
Full-service branch · Opened February 9, 2026
Address and directions →Gatesville Branch
2908 E Main, Gatesville, Texas, 76528
Full-service branch · Opened April 14, 2023
Hillsboro Branch
1298 Corsicana Highway, Hillsboro, Texas, 76645
Full-service branch · Opened January 1, 1926
Main Office
1835 N Valley Mills Dr, Waco, Texas, 76710
Full-service branch · Opened August 12, 1901
Mart Branch
501 E Texas Ave, Mart, Texas, 76664
Full-service branch · Opened September 30, 1996
Financial overview
Latest reported figures
Through June 30, 2026
Financial trends
How the balance sheet has changed
Compare recent quarters to see the direction of assets, deposits and loans.
| Quarter | Assets | Deposits | Net loans | ROA |
|---|---|---|---|---|
| June 30, 2026 | $1.77B | $1.55B | $1.36B | 2.55% |
| March 31, 2026 | $1.70B | $1.48B | $1.32B | 2.55% |
| December 31, 2025 | $1.61B | $1.40B | $1.29B | 2.54% |
| September 30, 2025 | $1.61B | $1.40B | $1.22B | 2.50% |
| June 30, 2025 | $1.57B | $1.37B | $1.20B | 2.44% |
| March 31, 2025 | $1.54B | $1.34B | $1.21B | 2.31% |
| December 31, 2024 | $1.56B | $1.36B | $1.17B | 2.32% |
| September 30, 2024 | $1.58B | $1.38B | $1.13B | 2.35% |
Size and reach
How this institution compares
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More on First National Bank of Central Texas
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Branch locations
7 listed locations.
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Explore →State banking market
Explore institutions and deposit-market context in Texas.
Explore →Waco banking market
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Explore →Rankings and research
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Explore →Sources and methodology
Review the official sources and reporting periods.
Explore →Frequently asked questions
Is First National Bank of Central Texas federally insured?
Yes. Bankular identifies this institution in FDIC records under certificate 3325.
Where is First National Bank of Central Texas headquartered?
First National Bank of Central Texas is headquartered in Waco, Texas, at 1835 N Valley Mills Dr, Waco, Texas, 76710.
How large is First National Bank of Central Texas?
It reported $1.77B in assets and $1.55B in deposits for the period ending June 30, 2026.
How many locations does First National Bank of Central Texas have?
Bankular currently lists 7 branch locations for this institution.
Data sources and methodology
Bankular combines official regulatory records with institution-published product information. The detailed sources are available below for readers who want to verify a figure.