First National Bank of Central Texas
Waco, TX · Owner: 2013 Monte Hulse Family Irrevocable TR I
$1.8B
total assets, June 30, 2026
$1.8B
total assets, June 30, 2026
First National Bank of Central Texas is a national bank based in Waco, TX, owned by 2013 Monte Hulse Family Irrevocable TR I. As of June 30, 2026 it held $1.8 billion in assets and $1.6 billion in deposits; assets were up 12.8% from a year before. It has 7 branches.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$1.8B
+12.8% in a year · +4.5% in a quarter
Deposits
$1.6B
+13.5% in a year · +4.5% in a quarter
Loans
$1.4B
+13.0% in a year · +2.9% in a quarter
Profit so far
$21.6M
Jan 1 to Jun 30, 2026 · +13.7% in a year
Capital ratio
10.83%
-0.78 pts in a year
Return on assets
2.56%
+0.11 pts in a year
Facts
- Type
- National bank
- Head office
- 1835 N Valley Mills Dr, Waco, TX, 76710
- County
- Mclennan
- Holding company
- 2013 Monte Hulse Family Irrevocable TR I
- Established
- Aug 12, 1901
- Employees
- 131
- Branches
- 7
- Website
- www.fnbct.bank
- Id
- b3325
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
7 offices as of June 30, 2026, holding $1.6 billion in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| Texas | 7 | $1.6B | 100.0% |
| Largest branches | Place | Deposits |
|---|---|---|
| First National Bank Of Central Texas (main office) | Waco, TX | $601M |
| Woodway-Hewitt Branch | Waco, TX | $515M |
| Hillsboro Branch | Hillsboro, TX | $125M |
| Mart Branch | Mart, TX | $103M |
| Gatesville Branch | Gatesville, TX | $95.6M |
| China Spring Branch | Waco, TX | $70.9M |
| College Station Branch | College Station, TX | $40.6M |
Related pages
Questions and answers
How big is First National Bank of Central Texas?
$1.8 billion in total assets and $1.6 billion in deposits as of June 30, 2026, with assets up 12.8% from a year before. Its loans were $1.4 billion.
How many branches does First National Bank of Central Texas have?
7 branches in Texas as of June 30, 2026.
Is First National Bank of Central Texas profitable?
Yes: it earned $21.6 million from January 1 to June 30, 2026 (up 13.7% from the same months a year before). Its return on assets was 2.56% a year; about 1% is typical.
Who owns First National Bank of Central Texas?
First National Bank of Central Texas is owned by 2013 Monte Hulse Family Irrevocable TR I, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.