FDIC-insured bank
First National Bank of Central Texas — Waco, TX
Bank headquartered in Waco, Texas, part of 2013 MONTE HULSE FAMILY IRREVOCABLE TR I.
Source: FDIC BankFind Suite, data as of June 30, 2026, fetched September 5, 2026
Headquarters and contact
| Address | 1835 N Valley Mills Dr Waco, TX 76710 |
| County | Mclennan |
| Metro area | Waco, TX |
| Website | www.fnbct.bank |
| Phone | not published in FDIC data, see the bank's website |
FDIC record
| FDIC Certificate | 3325 |
| Federal Reserve RSSD ID | 369659 |
| Status | Active |
| Charter class | N (OCC) |
| Holding company | 2013 MONTE HULSE FAMILY IRREVOCABLE TR I |
| Domestic offices | 7 |
| Financials as of | June 30, 2026 |
How to find your First National Bank of Central Texas routing number
FDIC does not publish ABA routing numbers, and many banks use different routing numbers by state or by account type. The reliable places to find yours: the bottom left of a check from this bank, the "account details" screen in its online banking, or its official website at www.fnbct.bank.
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Offices nearest to headquarters
| First National Bank Of Central Texas main office Waco, TX |
1835 N Valley Mills Dr, 76710 |
| Woodway-Hewitt Branch Waco, TX |
7500 Woodway Dr, 76712 |
| China Spring Branch Waco, TX |
10332 China Spring Rd, 76708 |
| Mart Branch Mart, TX |
501 E Texas Ave, 76664 |
| Hillsboro Branch Hillsboro, TX |
1298 Corsicana Highway, 76645 |
| Gatesville Branch Gatesville, TX |
2908 E Main, 76528 |
| College Station Branch College Station, TX |
4270 State Highway 6 S, 77845 |
Where First National Bank of Central Texas has offices
Cities with the most First National Bank of Central Texas offices
Other banks headquartered in Waco
| Central National Bank | $1.47 billion |
| Community Bank & Trust, Waco, Texas | $649.07 million |
| American Bank, National Association | $625.22 million |
| Fidelity Bank of Texas | $162.84 million |
Largest banks headquartered elsewhere in Texas
| Charles Schwab Bank, SSB Westlake | $250.83 billion |
| Frost Bank San Antonio | $53.95 billion |
| Prosperity Bank El Campo | $43.88 billion |
| Texas Capital Bank Dallas | $33.62 billion |
| Charles Schwab Premier Bank, SSB Westlake | $26.58 billion |
| Sunflower Bank, National Association Dallas | $15.65 billion |
| First Financial Bank Abilene | $15.23 billion |
| NexBank Dallas | $14.16 billion |
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