|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 First National Bank of Central Texas Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: November 9, 2026
First National Bank of Central Texas rates are not currently in the MonitorBankRates database, but you can compare rates from other banks and credit unions MonitorBankRates tracks, including 12-month CD rates at 3.00%, 6-month CD rates at 0.45% and 3-month CD rates at 0.45%. Deposit rates include 0.05% on savings, 3.04% on money market accounts and 0.05% on checking. Loan rates include 6.62% on HELOCs, 6.10% on auto loans and 12.59% on personal loans. Credit card rates can be found at 14.90%. These rates come from our rate database, not First National Bank of Central Texas, and you can see how they compare in the First National Bank of Central Texas rate tables below. MonitorBankRates evaluates the financial stability of First National Bank of Central Texas with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.97%. Database rates last updated and verified on 11/09/2026. First National Bank of Central Texas money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First National Bank of Central Texas? Share your experience about First National Bank of Central Texas by leaving a review below, or read customer reviews before you decide to use First National Bank of Central Texas. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. Current Rate AvailabilityWe're not currently displaying rates for First National Bank of Central Texas, but our database is updated constantly, so check back soon for the latest offers. Are you with First National Bank of Central Texas? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates. Financial Health HistoryFirst National Bank of Central Texas’s Texas Ratio fell from 2.09% in Q3 2023 to 0.97% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for First National Bank of Central Texas is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather First National Bank of Central Texas rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with First National Bank of Central Texas's official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
First National Bank of Central Texas
Website
https://www.fnbct.bank
Address
1835 N Valley Mills Dr,
Waco, TX 76710 · Mclennan
Bank Holding Company
2013 MONTE HULSE FAMILY IRREVOCABLE TR I
FDIC Certificate #
3325
Regulator
OCC
Established
August 12, 1901
FDIC Insurance Date
January 1, 1934
Domestic Offices
7
Total Branches
7
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.97%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
2.5546%
Return on Equity (ROE)
22.6000%
Non-Performing Loans Ratio (NPL)
0.08%
Total Assets
$1,774,437,000
Total Deposits
$1,551,146,000
Equity Capital
$191,175,000
Net Income
$21,618,000
Headquarters
Waco
Total Branches and Offices
7
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
There are no reviews for First National Bank of Central Texas yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for First National Bank of Central Texas
Frequently Asked Questions About First National Bank of Central TexasHow many branches does First National Bank of Central Texas operate?First National Bank of Central Texas currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, First National Bank of Central Texas does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, First National Bank of Central Texas provides members with tools to manage their accounts and build a solid financial history. Does First National Bank of Central Texas offer online and mobile banking?Most modern institutions like First National Bank of Central Texas provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fnbct.bank. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do First National Bank of Central Texas rates compare?First National Bank of Central Texas rates aren't in the MonitorBankRates database yet. Other banks and credit unions MonitorBankRates tracks offer 12-month CDs at 3.00% APY, 6-month CDs at 0.45% APY, savings at 0.05% APY, money market at 3.04% APY, checking at 0.05% APY, HELOCs around 6.62%, auto loans at 6.10% APR, personal loans at 12.59% APR and credit cards at 14.90% APR. Compare to Other Banks
United Orient Bank
Citizens Bank and Trust Company of Grainger County
US Metro Bank
Auburn State Bank NE
Nebraska State Bank
Wahoo State Bank
Bank of Richmondville
Bank 1st
Adams Bank & Trust
McCurtain County National Bank
Hebron Savings Bank
Libertyville Bank & Trust Company
Kcsb
Peoples Community Bank
Idaho Trust Bank
United Bankers' Bank
State Bank of De Kalb
American Business Bank
The Iuka State Bank
Core Bank
Nicolet Bank
|
