TellerScore

First National Bank of Central Texas (FDIC certificate #3325) is based in Waco, Texas. Its Q2 2026 call report shows $1.8B in total assets and $1.6B in deposits and 8 offices.

First National Bank of Central Texas has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 91% of its 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 76th. Earnings contributes the most (100/100, 2.55%); capital cushion contributes the least (58/100, 10.83%).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Tier 1 leverage ratio: 10.83%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.10%
Earnings100/100
Return on assets (annualized): 2.55%
Funding & liquidity65/100
Loans ÷ deposits and uninsured-deposit share: 87.8% · 21.1% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.90%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (83 → 81), mostly because the capital cushion component weakened by 8 points.

TellerScore
788184Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202480
Q4 202482
Q1 202584
Q2 202583
Q3 202584
Q4 202581
Q1 202683
Q2 202681
Tier 1 leverage ratio
5.00%8.48%11.97%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.55%
Q3 202410.79%
Q4 202411.46%
Q1 202511.97%
Q2 202511.61%
Q3 202511.69%
Q4 202511.24%
Q1 202611.38%
Q2 202610.83%
Noncurrent loans
0.07%0.20%0.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.34%
Q3 20240.24%
Q4 20240.21%
Q1 20250.12%
Q2 20250.13%
Q3 20250.12%
Q4 20250.13%
Q1 20260.07%
Q2 20260.10%
Return on assets
2.31%2.43%2.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.44%
Q3 20242.35%
Q4 20242.32%
Q1 20252.31%
Q2 20252.44%
Q3 20252.50%
Q4 20252.54%
Q1 20262.55%
Q2 20262.55%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$1.8B10.83%0.10%2.55%87.8%
Q1 202683$1.7B11.38%0.07%2.55%89.2%
Q4 202581$1.6B11.24%0.13%2.54%92.3%
Q3 202584$1.6B11.69%0.12%2.50%87.4%
Q2 202583$1.6B11.61%0.13%2.44%88.1%
Q1 202584$1.5B11.97%0.12%2.31%90.0%
Q4 202482$1.6B11.46%0.21%2.32%86.4%
Q3 202480$1.6B10.79%0.24%2.35%82.0%
Q2 202478$1.6B10.55%0.34%2.44%87.5%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.83%
57th
Total risk-based capital15.80%
75th
Problem loans0.10%
88th
Net charge-offs0.02%
61st
Return on assets2.55%
97th
Net interest margin4.47%
87th
Efficiency ratio43.6%
89th
Loans to deposits87.8%
48th
Uninsured deposits21.1%
80th
Loan-loss reserves1.20%
59th
Texas ratio0.9%
84th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
North Dallas Bank & Trust Co.Bank Dallas, TX51 out of 100, Below average$1.8B10.2%1.54%vs
First State BankBank Gainesville, TX61 out of 100, Moderate$1.9B9.6%0.94%vs
American Bank of CommerceBank Wolfforth, TX68 out of 100, Moderate$1.9B9.6%0.15%vs
Commercial Bank of Texas, National AssociationBank Nacogdoches, TX77 out of 100, Strong$1.7B10.6%0.14%vs
First State Bank of UvaldeBank Uvalde, TX75 out of 100, Strong$1.7B15.7%1.27%vs
Community National Bank & Trust of TexasBank Corsicana, TX76 out of 100, Strong$1.7B10.6%0.09%vs

Deposit insurance

Is my money safe at First National Bank of Central Texas?

Yes. First National Bank of Central Texas is an FDIC-insured institution (FDIC certificate #3325). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.1% of deposits ($327.9M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.83%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.80% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

First National Bank of Central Texas lists 8 offices in 6 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
First National Bank of Central Texas
Former names
The First National Bank of Mart
Type
National bank
FDIC certificate #
3325
RSSD ID
369659
Primary regulator
OCC
Holding company
2013 Monte Hulse Family Irrevocable Tr I
Established
August 12, 1901
Headquarters
1835 N Valley Mills Dr, Waco, TX 76710
Employees
131

Quick answers

First National Bank of Central Texas: common questions

Is First National Bank of Central Texas FDIC insured?

Yes. First National Bank of Central Texas is an FDIC-insured institution (FDIC certificate #3325). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First National Bank of Central Texas's TellerScore?

81 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First National Bank of Central Texas ever failed?

There is no failure record for FDIC certificate #3325 in the FDIC failed bank list.

How many branches does First National Bank of Central Texas have?

8 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Waco

InstitutionScoreAssetsCapitalProblem loansCompare
Educators Credit UnionCredit union Waco, TX99 out of 100, Very strong$609.5M20.3%0.17%vs
Genco Federal Credit UnionCredit union Waco, TX96 out of 100, Very strong$494.7M14.3%0.19%vs
Matagorda County Credit UnionCredit union Bay City, TX94 out of 100, Very strong$36.2M17.4%0.31%vs
Acadiana Medical Federal Credit UnionCredit union Lafayette, LA92 out of 100, Very strong$13.5M25.5%0.00%vs
The First National Bank of MoodyBank Moody, TX92 out of 100, Very strong$54.2M18.3%0.00%vs
Community Bank & Trust, Waco, TexasBank Waco, TX90 out of 100, Very strong$649.1M15.5%0.21%vs