BranchWatch

First National Bank of Central Texas

Headquartered in Waco, TX. Part of 2013 Monte Hulse Family Irrevocable Trust I, the. FDIC certificate #3325 · Federal Reserve RSSD 369659.

Total assets
$1.7B
Deposits
$1.5B
Q1 2026
Active branches
7
Closings since Jan 2020
1
3 openings since Jan 2020
All locations →Quarterly financials →

Financial snapshot — Q1 2026

All quarters →
Net income (quarter)
$11M
Return on assets
2.55%
Return on equity
22.00%
Noncurrent loan rate
0.07%

Deposits by year (Summary of Deposits)

1
2019
1
2020
1
2021
1
2022
1
2023
1
2024
1
2025

Values in $ billions, June 30 of each year.

Closings by year

1
2026

Openings by year

2
2023
1
2026

Other network changes since 2020

  • 2 branch relocations

Branches by state

Texas 7

Recent closings

All figures transcribed from FDIC BankFind Suite records: structure-change history, quarterly financial reports and the annual Summary of Deposits · bank site: www.fnbct.bank.