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 First National Bank of Central Texas
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First National Bank of Central Texas
| RSSD ID 369659 | CERTIFICATE 3325 | ABA NUMBER 111903245 |
| 1835 N Valley Mills Dr |
Quarter Ended : |
2026-06-30 |
| Waco, Texas, 76710 |
Updated : |
2026-07-24 |
| www.fnbct.bank |
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| Institution Profile |
| Year Opened : |
1901 |
Institution Type : |
Commercial bank |
| Entity Type : |
Federal |
Federal Regulator : |
OCC |
| Member Federal Reserve : |
Yes |
S-Corp : |
Yes |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
7 |
Number of Employees : |
131 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 1,774,437 |
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Total Interest Income | 48,060 |
| Total Liabilities | 1,583,262 |
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Total NonInterest Income | 4,308 |
| Total Bank Equity Capital | 191,175 |
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Total Interest Expense | 12,477 |
| Total Deposits | 1,551,146 |
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Total NonInterest Expense | 17,373 |
| Net Loans & Leases | 1,361,846 |
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Net Income | 21,618 |
| Loan Loss Allowance | 16,534 |
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Net Charge Offs | 101 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 213,241 |
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Total loans | 1,368,061 |
| Total assets for the leverage ratio | 1,813,467 |
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Loans secured by real estate: | 1,083,658 |
| Tier 1 Leverage Ratio | 10.83 |
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Commercial and industrial loans | 160,511 |
| Tier 1 Capital Ratio | 14.55 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 15.8 |
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Loans to individuals - Other | 13,242 |
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:· First National Bank of Central Texas
