FDIC Cert #3325 · Waco, Texas · Est. 1901

First National Bank of Central Texas - FDIC Bank Health Profile

A community-scale look at First National Bank of Central Texas's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.6B
Total assets
A
Health grade · Excellent
2.54%
Return on assets
15.3%
Tier 1 capital

Data updated July 2026

The verdict

First National Bank of Central Texas earns a PlainBankData health grade of A (100/100), with well-capitalized at 15.27% Tier 1, profitable at 2.54% ROA, efficient (43% cost ratio).

#697
largest of 4,313 FDIC banks by assets
84th
percentile by asset size, nationally
15.27%
Tier 1 ratio - above the 10% well-capitalized line
96th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 3325 · TX A · 100/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (100/100)
  • TOP-DECILE #28/4307
  • PHOTO-FINISH Westamerica Bank · CA
  • TIER1-WELL 15.3% Tier 1
  • TEXAS-CLEAN 0.8% Texas
  • ROA-STRONG 2.54% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Texas: Westamerica Bank, CA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First National Bank of Central Texas

Lowest and highest poles plus nearest scored peers outside Texas, not a full FDIC corpus board reprint.

First National Bank… · TX · …100/100Grundy Bank · IL · near100/100Kinmundy Bank · IL · near100/100Morgan Stanley Bank,… · UT ·…100/100Union National Bank… · IL · …100/100Westamerica Bank · CA · near100/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First National Bank of Central Texas · July 2026

Call Report read for First National Bank of Central Texas in a high-failure state

First National Bank of Central Texas (FDIC Cert #3325) carries a PlainBankData health grade of A at 100/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #28 of 4,307. Tier 1 capital prints at 15.27%, clearing the 10% well-capitalized line. The Texas Ratio is 0.80%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.54%. Balance-sheet scale is $1.6B, 697th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Westamerica Bank (CA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First National Bank of Central Texas

14 FAILURE resolutions in Texas since 2000, heavy vs the state corpus

First National Bank of Central Texas sits in one of the heavier post-2000 FAILURE states (14 resolutions; latest year 2025). The list below is state history from the Failed Bank List, not a claim about First National Bank of Central Texas's current Call Report.

  • SANTA ANNA NATIONAL BANK SANTA ANNA, TX 2025 → COLEMAN COUNTY STATE BANK
  • ENLOE STATE BANK COOPER, TX 2019 → LEGEND BANK, NA
  • FIRST NATIONAL BANK EDINBURG, TX 2013 → PLAINSCAPITAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Texas banks.

How First National Bank of Central Texas's 100/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/100100/100
First National Bank of Central Texas's composite health score
Tier 1 Capital Ratio (15.27%) 40/40
Return on Assets (ROA) (2.54%) 25/25
Texas Ratio (0.80%) 20/20
Efficiency Ratio (42.69%) 15/15

100 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.6B

Total balance-sheet footings

Total Deposits

$1.4B

Customer-funded liabilities

Net Loans

$1.3B

Outstanding loan book

Net Income

$40M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.87% 15.27% 16.67%
Basel III capital ratios - First National Bank of Central Texas

Where First National Bank of Central Texas ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First National Bank of Central Texas's score of 100/100 falls in the highlighted band.

First National Bank of Central Texas: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

100 Top 1% higher than 99% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. First National Bank of Central Texas 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

First National Bank of Central Texas's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First National Bank of Central Texas's $1.6B falls in the highlighted band.

Capital & credit buffers at First National Bank of Central Texas

Tier 1 capital ratio
Well-capitalized 10%

15.27% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.27%
Texas Ratio
0.80%
Equity Capital
$189M

What these ratios mean →

Earnings posture at First National Bank of Central Texas

Return on Assets (ROA)
96th percentile nationally
2.54%
Return on Equity (ROE)
21.83%
Efficiency Ratio
42.69%

What these mean →

Income & expense at First National Bank of Central Texas

$92M
Interest Income
$7M
Non-Interest Income
$31M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First National Bank of Central Texas reports a Texas Ratio of 0.80% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.80% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First National Bank of Central Texas on FDIC BankFind →

Top banks in Texas by total assets

Largest banks headquartered in Texas
  1. 1
    Charles Schwab Bank, SSB $253.8B

    Westlake, TX · Grade A

  2. 2
    Frost Bank $53.1B

    San Antonio, TX · Grade A

  3. 3
    Prosperity Bank $38.5B

    El Campo, TX · Grade A

  4. 4
    Texas Capital Bank $31.3B

    Dallas, TX · Grade A

  5. 5
    Charles Schwab Premier Bank, SSB $27.0B

    Westlake, TX · Grade A

Top 5 banks in Texas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.6B here), outside Texas so the neighborhood is not state containment.

Everett Co-operative Bank $1.6B · MA Lawrence Bank $1.6B · TN Landmark National Bank $1.6B · KS Waukesha State Bank $1.6B · WI

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First National Bank of Central Texas (FDIC Cert #3325) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

First National Bank of Central Texas Call Report profile · FDIC Failed Bank List · Texas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Texas

All Texas banks →
BankAssetsGradeROA
Charles Schwab Bank, SSBWestlake $253.8B A 0.94%
Frost BankSan Antonio $53.1B A 1.26%
Prosperity BankEl Campo $38.5B A 1.44%
Texas Capital BankDallas $31.3B A 1.10%
Charles Schwab Premier Bank, SSBWestlake $27.0B A 1.47%
First Financial BankAbilene $15.4B A 1.64%
NexBankDallas $13.9B A 1.17%
PlainsCapital BankUniversity Park $12.7B B 1.05%