First National Bank of Central Texas: how it compares with its peers
Against 75 TX banks with half to twice its assets, First National Bank of Central Texas's strongest measure in Q2 2026 is return on assets (2.55% vs. a 1.50% peer median). Its weakest relative measure is net interest margin (4.47% vs. 3.96%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.55% | 1.50% | Top third Ahead of 95% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.47% | 3.96% | Top third Ahead of 67% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 43.55% | 58.07% | Top third Ahead of 87% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $13.5M | $8.6M | Top third Ahead of 86% of peers |
| Loans to deposits Net loans and leases over total deposits. | 87.80% | 79.80% | Context |
What it means for lending operations
Its efficiency ratio of 43.55% is better than the 58.07% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- North Dallas Bank & Trust Co. Dallas, TX · $1.81B
- First State Bank Gainesville, TX · $1.85B
- American Bank of Commerce Wolfforth, TX · $1.86B
- Commercial Bank of Texas, National Association Nacogdoches, TX · $1.69B
- First State Bank of Uvalde Uvalde, TX · $1.68B
- Community National Bank & Trust of Texas Corsicana, TX · $1.68B
Questions about First National Bank of Central Texas
How big is First National Bank of Central Texas?
First National Bank of Central Texas, established in 1901, is headquartered in Waco, TX. It reported $1.77B in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is First National Bank of Central Texas's return on assets?
2.55% annualized in Q2 2026, against a 1.50% median for 75 TX banks with half to twice its assets, ahead of 95% of them.
What is First National Bank of Central Texas's efficiency ratio?
43.55% in Q2 2026: it spent about 44 cents in noninterest expense for each dollar of revenue. The peer median is 58.07%, and lower is better.
Is First National Bank of Central Texas growing its loans?
Net loans grew 13.1% over the year to Q2 2026, while deposits grew 13.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.