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First National Bank of Central Texas

$1B-$10B Specialty: Commercial TX FDIC cert 3325

Designations: ✓ Community bank

Waco, TX

7 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
  • Deposits +13.5% year over year ($1.6B on the books).
  • Delinquency rate 0.10%.
  • Return on assets 2.55%.
  • Efficiency ratio 43.55% vs a 59.73% peer average.
  • Loan-to-deposit ratio 87.80% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 78 in TX
View $1B-$10B leaderboard (TX) →

First National Bank of Central Texas shows strong momentum with 4 strengths and 12.9% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 30.6% in tier
  • + Credit Quality Leader: Top 44.3% in tier
  • + Net Interest Margin 0.60% above tier average
  • + Efficiency Ratio 16.18% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when First National Bank of Central Texas releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $1.8B
+12.9% YoY +4.5% QoQ
-$1.0B $2.8B
-0.6% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
45%
Total Loans ? $1.4B
+13.1% YoY +2.9% QoQ
-$601.4M $2.0B
-0.3% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
50%
Total Deposits ? $1.6B
+13.5% YoY +4.5% QoQ
-$767.7M $2.3B
-0.5% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
47%
Return on Assets ? 2.55%
+4.5% YoY +0.2% QoQ
+1.16% 1.39%
+17.0% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
Top 3.5% in tier
Net Interest Margin ? 4.47%
+4.9% YoY +1.4% QoQ
+0.60% 3.87%
+6.2% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Top 13.2% in tier
Efficiency Ratio ? 43.55%
-0.9% YoY -0.6% QoQ
-16.18% 59.73%
-12.6% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
Top 10.1% in tier
Delinquency Rate ? 0.10%
-25.0% YoY +39.2% QoQ
-0.77% 0.87%
+11.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
Top 11.7% in tier
Loan-to-Deposit Ratio ? 87.80%
-0.4% YoY -1.6% QoQ
+2.76% 85.04%
-0.1% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
48%
Non-Interest-Bearing Deposit Share ? 25.58%
-1.1% YoY -1.9% QoQ
+4.30% 21.27%
-1.5% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
73%
Nonperforming Asset Ratio ? 0.10%
+4.5% YoY +22.2% QoQ
-0.57% 0.67%
+11.7% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
85%
Tier 1 Capital Ratio ? 14.55%
-8.6% YoY -3.1% QoQ
-0.29% 14.84%
-0.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
70%
Non-Interest Income / Assets ? 0.24%
+10.9% YoY +95.2% QoQ
-0.28% 0.53%
+2.5% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
40%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 25.6%
-0.3pp YoY
-0.5pp QoQ
 +4.2pp 21.4% 29.2% 22.2% 72%
Brokered Deposits n/a n/a 9.5% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 11.6%
+1.0pp YoY
-0.2pp QoQ
 -2.4pp 14.0% 14.8% 12.5% 53%
CRE 48.4%
-0.5pp YoY
+0.8pp QoQ
 -1.7pp 50.0% 48.4% 41.4% 45%
1-4 Family 28.3%
-0.5pp YoY
+1.0pp QoQ
 +1.8pp 26.4% 25.8% 31.3% 62%
Consumer 1.0%
-0.2pp YoY
-0.1pp QoQ
 -3.7pp 4.7% 4.7% 5.0% 46%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 14.6%
-1.4pp YoY
-0.5pp QoQ
 -1.0pp 15.6% 22.7% 19.7% 65%
Leverage Ratio 10.8%
-0.8pp YoY
-0.6pp QoQ
 -0.5pp 11.3% 12.6% 12.6% 57%
Total Capital Ratio 15.8%
-1.4pp YoY
-0.5pp QoQ
 -0.9pp 16.7% 23.8% 20.8% 67%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 131
+11 (+9.2%) YoY
+7 (+5.6%) QoQ
 -183 313 186 482 17%
Assets per Employee ($) $13.5M
+3.4% YoY
-1.0% QoQ
 +$3.1M $10.5M $10.1M $8.8M 85%
Branch Count 7
0 YoY
-1 (-12.5%) QoQ
 -13 20 12 18 17%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp QoQ
 -0.1pp 0.2% 0.3% 0.4% 56%
Nonaccrual 0.1%
-0.1pp YoY
0.0pp QoQ
 -0.8pp 0.8% 1.0% 1.0% 7%
Allowance Coverage 12.35x
+29.0% YoY
-28.3% QoQ
 -6.36x 18.71x 18.82x 20.23x 91%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 35%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 22.6%
+1.5pp YoY
+0.6pp QoQ
 +10.0pp 12.6% 13.2% 11.6% 94%
Cost of Funds (YTD) 1.6%
-0.2pp YoY
0.0pp QoQ
 -0.3pp 1.9% 1.6% 1.7% 26%
Net Income ($, YTD) $21.6M
+13.7% YoY
— QoQ
 +$2.4M $19.2M $15.9M $40.4M 72%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Profitability Leader

growth
#69 of 222 • Top 30.6% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.55%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank declining

Credit Quality Leader

growth
#99 of 221 • Top 44.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.10%
(Tier: 0.87%, National: 0.98%)
better than tier avg
221 of 221 Mid-Market banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (5 metrics)

32
Return on Assets
profitability
Value: 2.55%
Peer Median: 1.39%
#32 of 885 Top 3.5% in $1B-$10B
90
Efficiency Ratio
profitability
Value: 43.55%
Peer Median: 59.73%
#90 of 885 Top 10.1% in $1B-$10B
104
Delinquency Rate
credit_quality
Value: 0.10%
Peer Median: 0.87%
#104 of 882 Top 11.7% in $1B-$10B
118
Net Interest Margin
profitability
Value: 4.47%
Peer Median: 3.87%
#118 of 885 Top 13.2% in $1B-$10B
138
Nonperforming Asset Ratio
credit_quality
Value: 0.10%
Peer Median: 0.67%
#138 of 885 Top 15.5% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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