First National Bank Of Central Texas is a bank based in Waco, Texas, established in 1901, with $1.7 billion in total assets across 6 branches. By Trust Grade it ranks 132nd of 349 banks we track in Texas. Its capital ratio of 11.4% is stronger than 69% of similarly sized banks, versus a Texas median of 10.9%. It was profitable over the most recent period, with a 2.55% return on assets. No consumer complaints against First National Bank Of Central Texas appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First National Bank Of Central Texas compares to Texas peers
How we graded First National Bank Of Central Texas
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.4% capital ratio)
- Strongly profitable (ROA 2.55%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First National Bank Of Central Texas over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (6)
- 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
Are deposits at First National Bank Of Central Texas insured?
Yes. First National Bank Of Central Texas is an FDIC-insured bank (FDIC certificate #3325). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
First National Bank Of Central Texas: frequently asked questions
Is First National Bank Of Central Texas a good bank?
First National Bank Of Central Texas earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (11.4% capital ratio); Strongly profitable (ROA 2.55%).
Is First National Bank Of Central Texas FDIC-insured?
Yes. First National Bank Of Central Texas is a FDIC-insured bank (FDIC certificate #3325). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is First National Bank Of Central Texas?
First National Bank Of Central Texas holds $1.7 billion in total assets, ranking 132nd of 349 banks we track in Texas. It operates 6 branches.
Does First National Bank Of Central Texas have CFPB complaints?
No CFPB complaints against First National Bank Of Central Texas appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
