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 First National Bank of Central Texas
First National Bank of Central Texas
| RSSD ID 369659 | CERTIFICATE 3325 | ABA NUMBER 111903245 |
| 1835 N Valley Mills Dr |
Quarter Ended : |
2025-03-31 |
| Waco, Texas, 76710 |
Updated : |
2025-04-22 |
| www.fnbct.com |
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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 : |
8 |
Number of Employees : |
119 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 1,541,869 |
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Total Interest Income | 21,468 |
| Total Liabilities | 1,359,494 |
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Total NonInterest Income | 1,778 |
| Total Bank Equity Capital | 182,375 |
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Total Interest Expense | 6,503 |
| Total Deposits | 1,339,532 |
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Total NonInterest Expense | 7,588 |
| Net Loans & Leases | 1,205,068 |
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Net Income | 8,930 |
| Loan Loss Allowance | 15,185 |
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Net Charge Offs | 9 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 205,688 |
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Total loans | 1,193,556 |
| Total assets for the leverage ratio | 1,594,693 |
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Loans secured by real estate: | 959,944 |
| Tier 1 Leverage Ratio | 11.97 |
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Commercial and industrial loans | 111,297 |
| Tier 1 Capital Ratio | 16.06 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 17.31 |
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Loans to individuals - Other | 13,901 |
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:· First National Bank of Central Texas
