Bank · FDIC insured
TFNB Your Bank For Life
A $1.1B bank headquartered in McGregor, TX, with 6 branches in Texas.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- Savings660.05%0.75% with extra requirementsSavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About TFNB Your Bank For Life
Founded in 1889 as The First National Bank of McGregor, the bank serves Central Texas through six branch locations.
The institution remains family-led, continuing ownership and leadership established by local businessmen in the 1960s.
- Headquarters
- 401 S Main St, McGregor, TX 76657
- FDIC certificate
- 3330 ↗
Branches
6 branches in Texas
Loading map…
Texas
6 branches
- The First National Bank of McGregorMain office401 S Main St, McGregor, TX 76657Directions
- South Bosque Branch27000 Hwy 84, McGregor, TX 76657Directions
- Downtown Waco Branch901 S 8th St, Waco, TX 76706Directions
- Tfnb Triangle Tower Location Branch510 N Valley Mills Dr, Waco, TX 76710Directions
- Waco Branch700 Elm Ave, Waco, TX 76704Directions
- Woodway/Hewitt Location Branch9205 Oak Creek Dr, Woodway, TX 76712Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.55% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 2.72% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.09% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $85 | $88 | — |
- CapitalLeverage ratio9.55%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent2.72%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.09%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$85Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of TFNB Your Bank For Life are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.