| Weiss Ratings |
First National Bank of Central Texas
Waco, TX |
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| Rating | ||||
| Asset Quality Index | 8.60 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 2.90 | |||
| Profitability Index | 9.70 | |||
| Stability Index | 6.30 | |||
| Company Info |
First National Bank of Central Texas
Waco, TX |
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| FDIC Number | 3325 | |||
| Phone Number | (254) 772-9330 | |||
| Website | www.fnbct.bank | |||
| Asset Quality |
First National Bank of Central Texas
Waco, TX |
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| 1-Year Asset Growth | 2.04% | |||
| 5-Year Asset Growth | 15.42% | |||
| 5-Year Charge-Offs to Average Loans | 0.16% | |||
| Charge-Offs to Average Loans | 0.00% | |||
| Non-Performing Assets to Assets | 0.10% | |||
| Non-Performing Loans to Capital | 0.74% | |||
| Non-Performing Loans to Loans | 0.12% | |||
| Balance Sheet |
First National Bank of Central Texas
Waco, TX |
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| Total Assets | 1.61B | |||
| Total Deposits | 1.40B | |||
| Capital and Reserves |
First National Bank of Central Texas
Waco, TX |
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| Capital | 188.14M | |||
| Leverage Ratio | 11.69 | |||
| Loan Loss Reserves to Loans | 1.23% | |||
| Risk-Based Capital Ratio | 17.23 | |||
| Liquidity |
First National Bank of Central Texas
Waco, TX |
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| Hot Money Ratio | 19.36% | |||
| Liquidity Ratio | 16.94% | |||
| Profitability |
First National Bank of Central Texas
Waco, TX |
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| 5-Year Return on Average Assets | 2.02% | |||
| Net Income | 29.37M | |||
| Net Interest Spread | 4.08% | |||
| Operating Profit to Average Assets | 2.40% | |||
| Overhead Efficiency Ratio | 43.51% | |||
| Return on Assets | 2.40% | |||
| Return on Equity | 21.49% | |||