CENTRAL BANK

HOUSTON, TX | Large | Est. May 31, 1956, midnight | FDIC #17612 | RSSD #31255 | FED
Latest Report: 2025-12-31

CENTRAL BANK is aln large FDIC-insured commercial bank headquartered in HOUSTON, TX, established in May 31, 1956, midnight. As of 2025-12-31, the bank reported total assets of $1.3B and total deposits of $1.2B. Profitability stands at 1.97% ROA and 20.78% ROE, with a net interest margin of 4.99%. The bank's CET1 capital ratio is 13.34%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.06% and a Texas Ratio of 1.84%. FDIC Certificate #17612.

Assets

$1.3B

Deposits

$1.2B

Loans

$1.0B

Equity

$124M

Profitability

Return on Assets (ROA) 1.97%
Return on Equity (ROE) 20.78%
Net Interest Margin (NIM) 4.99%
Yield on Assets 6.87%
Cost of Funds 2.33%

Asset Quality

NPL Ratio 0.06%
Net Charge-Off Ratio 0.04%
Texas Ratio 1.84%
NPA Ratio 0.19%
ACL / Loans 0.99%

Capital & Liquidity

CET1 Ratio 13.34%
Tier 1 Capital 13.34%
Total Capital Ratio 14.43%
Leverage Ratio 10.37%
Loan-to-Deposit 86.27%

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