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First National Bank of Central Texas
✓ FDIC-insured · Active FDIC Certificate #3325
First National Bank of Central Texas is an FDIC-insured national bank chartered by the Office of the Comptroller of the Currency (OCC), headquartered in Waco, Texas, established in 1901. As of the 06/30/2026 FDIC call report, it reported $1.8B in total assets and $1.6B in deposits. FDIC location data lists 8 offices in Texas. The FDIC classifies it as a community bank. It is owned by the holding company 2013 MONTE HULSE FAMILY IRREVOCABLE TR I (Waco, TX).
Financial data as of the 06/30/2026 FDIC call report.
Where it operates
All 8 of First National Bank of Central Texas's FDIC-listed offices are in Texas. Browse banks in Waco for other local options.
Branch locations
| First National Bank of Central Texas Mart Branch · Full Service - Brick And Mortar | 501 E Texas Ave Mart, TX 76664 Map ↗ |
| First National Bank of Central Texas First National Bank Of Central Texas · Full Service - Brick And Mortar | 1835 N Valley Mills Dr Waco, TX 76710 Map ↗ |
| First National Bank of Central Texas Hillsboro Branch · Full Service - Brick And Mortar | 1298 Corsicana Highway Hillsboro, TX 76645 Map ↗ |
| First National Bank of Central Texas China Spring Branch · Full Service - Brick And Mortar | 10332 China Spring Rd Waco, TX 76708 Map ↗ |
| First National Bank of Central Texas Woodway-Hewitt Branch · Full Service - Brick And Mortar | 7500 Woodway Dr Waco, TX 76712 Map ↗ |
| First National Bank of Central Texas Gatesville Branch · Full Service - Brick And Mortar | 2908 E Main Gatesville, TX 76528 Map ↗ |
| First National Bank of Central Texas College Station Branch · Full Service - Brick And Mortar | 4270 State Highway 6 S College Station, TX 77845 Map ↗ |
| First National Bank of Central Texas First National Bank Of Central Texas - Lampasas Branch · Full Service - Brick And Mortar | 502 S Key Ave Lampasas, TX 76550 Map ↗ |
Holding company: 2013 MONTE HULSE FAMILY IRREVOCABLE TR I
The FDIC lists 2013 MONTE HULSE FAMILY IRREVOCABLE TR I, based in Waco, TX, as the top holding company for First National Bank of Central Texas. The FDIC shows no other active insured banks under the same holding company.
Similar-size banks in Texas
Active FDIC-insured banks headquartered in Texas with total assets closest to First National Bank of Central Texas's $1.8B. See all banks in Texas.
| Bank | HQ city | Assets | Offices |
|---|---|---|---|
| FirstBank Southwest | Amarillo | $1.9B | 13 |
| American Bank of Commerce | Wolfforth | $1.9B | 13 |
| First State Bank | Gainesville | $1.9B | 14 |
| North Dallas Bank & Trust Co. | Dallas | $1.8B | 6 |
| Commercial Bank of Texas, National Association | Nacogdoches | $1.7B | 24 |
| First State Bank of Uvalde | Uvalde | $1.7B | 8 |
| Community National Bank & Trust of Texas | Corsicana | $1.7B | 18 |
| Benchmark Bank | Plano | $1.6B | 8 |
First National Bank of Central Texas: common questions
Is First National Bank of Central Texas FDIC-insured?
Yes. First National Bank of Central Texas is an active FDIC-insured institution, FDIC Certificate #3325. Deposits are insured up to $250,000 per depositor, per ownership category. You can confirm this on FDIC BankFind.
Where is First National Bank of Central Texas headquartered?
First National Bank of Central Texas is headquartered at 1835 N Valley Mills Dr, Waco, TX 76710, according to FDIC records.
How many branches does First National Bank of Central Texas have?
FDIC location data lists 8 offices for First National Bank of Central Texas, all in Texas.
Who owns First National Bank of Central Texas?
The FDIC lists 2013 MONTE HULSE FAMILY IRREVOCABLE TR I of Waco, TX as the top holding company for First National Bank of Central Texas.
Source: FDIC BankFind Suite (institution, location, and call report data). BankNearMe.com does not rank or rate banks.