First National Bank of Central Texas
Waco, TX · Cert 3325 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · 2013 Monte Hulse Family Irrevocable Tr I
National charter · OCC · 7 branches
Q2 2026
$1.8BAssets
$1.4BLoans
$1.6BDeposits
$191.2MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 92% of banks $1B-$10B in assets operating in a single state (rank 21 of 257).
- Widest gap: equity / assets trails 42% of banks $1B-$10B in assets operating in a single state (rank 108 of 258).
- Overall: at or above the peer median on 9 of 9 directional measures.
Return on Assets
1.91%
Rank 23 of 258
Net Interest Margin
3.92%
Rank 58 of 258
Efficiency Ratio
43.55%
Rank 21 of 257
Equity / Assets
10.77%
Rank 108 of 258
Non-interest income vs. expense
Unfavorable gap of $26.1M · efficiency ratio beats 92% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.91% | 0.93% | 1.23% | 1.54% | Beats 91% | 23 / 258 | |
| Return on Equity | 17.75% | 9.26% | 11.84% | 14.74% | Beats 90% | 25 / 258 | |
| Net Interest Margin | 3.92% | 3.16% | 3.49% | 3.88% | Beats 78% | 58 / 258 | |
| Efficiency Ratio | 43.55% | 51.71% | 60.30% | 69.65% | Beats 92% | 21 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.10% | 0.19% | 0.46% | 0.90% | Beats 87% | 34 / 258 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.07% | Beats 71% | 76 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 14.55% | 11.41% | 12.98% | 15.12% | Beats 71% | 75 / 258 | |
| Total Risk-Based Capital Ratio | 15.80% | 12.10% | 13.91% | 16.08% | Beats 73% | 70 / 258 | |
| Equity / Assets | 10.77% | 9.09% | 10.24% | 11.72% | Beats 58% | 108 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 88.86% | 73.24% | 86.34% | 95.95% | 59th pctl | 107 / 258 | |
| Loans / Assets | 77.68% | 63.01% | 72.27% | 78.40% | 70th pctl | 78 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |